Are Emilio Francisco and Debt Reduction Law Center the same company?

They are also known as debt reduction Law Center


They are Law Offices of Emilio Francisco & Associates also known as . I have $60,000 in debt and dont know who to go with

The only thing I could find here on them was some old posts. I personally don't have any experience, or know of them.

Before you go with any company, check them out with the BBB, and your states' attorney general. Also do a Google search and see what you come up with.

You may want to do some searching here and see what options you may have concerning your debt.

Get everything in writing and ask a lot of questions about fees, time limits, do they(your creditors work with them), how long before they get paid and you are through with the program, etc.

Best of luck to you..karen

Thank you that is what I have been doing. They seem to be legit but when I check the BBB I get 2 ratings. One is in Irvine CA is F the other is in Oakland where he says they work and is Satisfactory. So I asked him and he gave me some long spill. Anyway I have a freind that is an attorney and looked at everything and she said it looked ok. Thats about all I can find out about them other then the CA Bar number is legit. I am just so scared to make the move, I have been overwhelmed with people telling me all this stuff from these compaines just dont know where to turn. I have to do something due to major loss of income..

I'd be interested in what you decided. I just started talking to them (E Francisco) as well. I got a little better feeling from them verus some of the other companies.
I've search the internet and can't find much information. Good or Bad.
I'm in a similar spot except, I think I have you beat by 15k in debt.
JC

Not sure BBB says F I have not made up my mind yet I cant find much on them either they sound good but you know how that is.

Save your money and call the creditors yourself. Don't be scared to negotiate with your debtors the worst they can say is no. But if they tell you "NO" they will also tell your attorney "NO". If they are seeking a judgment against you, you want to make sure they will appear at hearings and court dates on your behalf.

I too had concerns about their BBB rating until I found out they used to have a AAA rating until the ByDesignFinancial Solutions (Previously the Consumer credit counseling of California) is a board of member Frank Whitney-Board Chair
MidCal Better Business Bureau, President/CEO.

Also the Southland BBB, life time President Mr. Mitchell sat on the Board of Springboard Inc. (consumer credit counseling of Inland Empire)

In 2005 the Bankruptc law was changed to make it more difficult for American to restore their financial well-being, when suffering from a distress time. Legal debt settlements allow consumers to satisfy their debt commitment at a reduce amount. This service has been offered by attorney for many years. If the rich people can hire attorney to have their debt reduce, why can't the rest of do the same -

Consumer credit counseling services are collection agencies for the financial institutions - Read their history. The National Foundation of Credit Counseling was created 5 years before the credit card was introduced - Does it tell you something?

If the Credit Card Companies have a legal team, why can we have the opportunity to have a lawyer represent us to at an affortable price.

If you are going to use BBB - Look at companies like
Universal City Nissan Report - 42 complaints with a B rating
By Design Financial Solutions - 7 compaints - AA Rating
Springboard 9 complaints 9 complaints AA Rating

Have you seen the Documentary by Frontline - The Secret life of Credit Card. -

Still dont know what to do.

The Oakland office of Law Office of Emilio Francisco is not the place to go if you have debt problem. Incompetence and carelessness are their main characteristics. They don't care at all about clients. For mamy years they cannot do anything. They just seat and wait for the customer to do the move. Stay away from this office!

I know Emilio and their staff. and although I work for a competitor and believe ours to be one of the best...I can tell you without hesitation that there are many bad companies out there... granted... however; Emilio Francisco's is one of the better ones. I know.. I've been in the industry for over 10 years. Remember this... getting out of debt comes with risks. The whole thing stinks across the board. But of the options available, if you are going to choose debt settlement as your method of debt resolution, the debt reduction law center/law offices of Emilio Francisco is definately one of your better choices.

Hello! I cannot begin to tell you the trouble that I have had with Emelio Francisco and Frank Kucera who is one of their lawyers. I have just finished writing a check for literally thousands of dollars due to this company NOT following through...it's been incredible. The customer service does not follow through..nothing... I have wrote numerous emails to Frank with no reply. I have been served papers in my front yard from the credit compant and had my wages garnished due to this company not following through. Finally at one point I had to make phone calls myself just to save what credit I had left don't ever, ever use this company!!!!!!!

One of the ways that credit cards get consumers interested in their credit card products is by offering them low interest rates or low interest rate introductory offers. While low interest rates are great for consumers, do your homework so that you’re not surprised with high fees or short term low interest rates that jump sky high after the introductory period is over.

The oakland office of emelio francisco is not the office you would go to.bad customer service,they never return clients call,they put you on hold and never come back to the phone,the manager is always gone for the day,ask to speak to the superviser say they are not here.one of their laywers kelly bresso never reply my e-mail.lack of making payments to my creditors.Don't Ever use this company!

warning. do not sign up with them. they told one of my creditors that if they didnt settle for 25% then they wouldnt ever be paid. The creditor sent my file for suit as a refusal to pay. I called them letting them know I had an lawyer and they laughed. It isnt really a law office, it is a debt settlement company that is telling my creditors that i refuse to pay. i had no idea this was going on because I was told to tell my creditors not to call or contact me anymore. this so called law firm didnt let me know i was getting sued and they misrepresented my situation to the creditors. i could have done my own settlements. i was told i could have settled for 50% (which is a good deal). too bad i was never told that offer was on the table. this law office made everything so much worst. I still cant believe they are in business. i would give the name of the person working my account but i believe in karma and he will get his.

I OWED MONEY THEY TOLD ME THAT THEY WORK WITH THE BANKS BUT ALL THEY DID WAS TAKE MY MONEY HOLD IT FOR OVER A YEAR ONE OF MY CREDITORE SUED ME AND NOW THAT I WANT TO CANCEL AND GET MY MOENY BACK THEY WILL ONLY GIVE ME 25% OF IT BACK --DONT WHATEVER YOU DO DEAL WITH THIS COMPANY. EVER!!!!!!!!!!!!!!!!!!!!!!!!!!!

I have been letting this Law Firm handle my accounts for just about two years now. The staff that I have dealt with (So. California) have been excellent, and yes (with the exception of 1 or 2 times) -they always return my phone call. I will be ending the program in a few months with just 1 more account to go. I would definately refer this Law Firm to someone that is in debt!