I strongly suggest you to
STAY AWAY from this company. I feel like my money is stolen with this way. I made 23/24 payments in two years. I had just 1 more payment to finish the program.
But I kept getting judgments since these liars did not negotiate with the creditors
. I myself negotiated with many creditors without having any problems. They did NOT also represent me with any way. They did not suggest me anything during the court-related issues except some very basic things.
After I got a default judgment,
I tried to contact them using the phone numbers given in my contract. But I could not reach them
. The phone number was being used by another company now. And the guy told me "LifeGuard does not exist anymore". Can you believe in this? As a result of their negligence,
I am left with at least 4 court decisions against me even though I had enough money in my account for some settlements.
Even if they let me know that
they are not in business (or their contact# has changed) I could take care of the negotiations myself. They
did not even show the courtesy to inform me about this. DON'T FORGET THAT
these judgments will stay in your credit history for so long which will affect you very badly. It is said that you may even have difficulties when you look for a new job. Check the Internet.
I have been sending money to them for two years, but they probably contacted me for just several times.
It is really very difficult to reach them. I can say they almost never return your call.
Another problem: One time, I made two payments in a month so that they negotiate with a creditor who sued me. But they did not negotiate with them. I got a judgment against me at the court. The worse thing is that
they ignored my EXTRA payment for that month and they told me that
it would be count as just one payment.
Another problem: It also took weeks for me to convince them that my first payment was made in May. They insisted that the payment was done in June. Do you see it? It was just pain for me to communicate with them. When you call them they just forward your calls to each other until you give up! If you, for example, fax them your bank statement to prove your case, they will not respond to you for soooo long.
If I remember this correctly THEY WILL TAKE YOUR FIRST FIVE OR SO PAYMENTS without doing anything. In my case, I believe they took about $5000 (I need to check this with the contract for exact amount).
I am speaking as a person who was very patient during the program with good intentions but disappointed. I wanted to give you details as much as possible so that you see the complete picture.
Some of the creditors had sent me really very good offers during the process. If I was making the decision I would definitely accept them. But now, one of these creditors had judgment against me. What am I gonna do with these judgments in my background now? Put yourself into my position and think twice. You can even negotiate yourself with the first five or so payments without waiting for these liars. In my case, I could probably negotiate with all the creditors easily with the money I sent to these people!
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