 Posted: Tue Oct 14, 2008 12:09 pm Subject: I am in the program |
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I started with Harold's firm in August 2008 and I am posting to try and answer some of the questions here. The fee to get started depends on how much debt you need to have settled. I believe it started at $200 and went all the way up to $500. That is just the fee to enroll in the program and it is non-refundable. Once you are in the program and a monthly payment schedule has been established, the first 3 months of payments are retainer fees for the firm. Additional fees and costs can arise while in the program, especially if you get sued. They charge $300 to defend each lawsuit. Plus, you have to remember that all of the settlement numbers they crunch for you during the consultation are estimations of the settlements you can expect, but results will vary.
I have already been threatened with a lawsuit by Bank of America, but the account was six months past due when I enrolled in Harold's settlement program, so I am not surprised. Last I heard, the law firm calling on BOA's behalf was working with the negotiator at Harold's firm, so hopefully it doesn't go to trial.
I feel so much better about having a trusted law firm on my side than I felt when I was trying to handle the creditors myself. I was throwing money away every month trying to setup payment plans with creditors myself.
And the gripe about Harold above and the observation that his firm is Christian-centric, remember, he is not Jesus...nobody is, so nobody is always as perfect and nice as you may want them to be. All we can do as Christians is try to live as Jesus would want us to, but we don't always succeed.
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Cletus Van Damme
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