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Lawgistix will DUMP you if you complain..

Date: Thu, 06/15/2006 - 12:51

Submitted by quietsound
on Thu, 06/15/2006 - 12:51

Posts: 50 Credits: [Donate]

Total Replies: 31


Lawgistix has now dumped me because I complained about their customer service department which was non compliant. NOT that I'm unhappy about that because they left me high and dry throughout this process.

So, if you have Lawgistix and if you are having trouble with their customer service department and you complain about this, they will dump you too. so be forewarned! :twisted:


You know, I am very angry about this whole thing. I'm telling you that the public is being so mis-informed about how this works....there are no words really to say...it's beyond even saying anything at this point.

I just hope that people out there can LEARN from my big mistake. to be out all this money and then to be dumped with no help at all. The simple truth is this.....If your a person like me who has all these debts and your late more than 90 days your credit is shot anyway, no matter what you decide to do. I went from a 700 to a 470 in a score. If you in this situation, don't waste your time and money, just get out of it. declare a chapter 13 and be done with it! If your lucky to have a house with a joint other person and you have individual debt and he or she does too, you don't have to pay a thing. they can't take your house cause the deed is written in such a way that they can't get anything. if you have joint debt then you have to follow through and pay it but considerable lesser than what you pay the settlement company. I just found this out today when i met with a lawyer. He says that really these settlement companies although it sounds really good what they offer. the truth is, it gets out of hand eventually and the creditors are not going to wait for your accounts to accumlate..they want money now not 5 years from now. So if your really in bad shape like me, over $50k in debt, you should rethink things.


lrhall41

Submitted by on Thu, 06/15/2006 - 13:20

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Do you think all settlement companies are the same and they will dupe the consumers? I understand that you want to vent by sharing your experiences. A score falling from 700 to 470 really matters. At that point filing bankruptcy leaves no room to do the repair work. Will that be considered a good move? At least, using a dmp will slightly help in recuperating the situation.

After filing bankruptcy, the situation might become harder. I read some of the experiences put on the thread below.

http://www.debtconsolidationcare.com/forums/youngsters-bankruptcy.html


lrhall41

Submitted by GunsNroses on Thu, 06/15/2006 - 14:15

( Posts: 485 | Credits: )


well this settlement company surely didn't help me any...I'm worse off than I was when I first started.

The thing is, I went to a debt consolidation program but could not afford the payment. It was not lower than what I was already paying. I mean if I had the money to pay what they wanted, heck I wouldn't be in this mess to begin with. The debt management company wanted $30 MORE than I was paying the creditors on my own. How was that going to help the situation when I could barely pay what I was paying the creditors.

The simply truth is this. Doesn't matter what decision you make about your debt. You take a risk with whichever way you want to play it. Anyone with a low credit score already is not going to have lenders wavying their pens for you to sign a loan agreement with....whether you consolidate, bankruptcy, settlement program or what.

I just don't like being lied to and misled when company makes promises and then all the air is let out of the tires when I start getting warrants in debt that they can't seem to control when I pay them over $1600 to do something about it. They make it sound that "oh no, you won't get sued, it's very rare, oh no, they don't want to do that ...bla bla bla" it's a bunch of BS and yes I'm entitled to my opinion just like everyone else!


lrhall41

Submitted by quietsound on Thu, 06/15/2006 - 14:40

( Posts: 50 | Credits: )


I have been contemplating debt settlement and Bankruptcy for about a month now. We met with a few lawyers this week to discuss chapter 7. We qualified for it but were still looking for a way out. I liked what the settlement companies had to offer, but didn't like their high fees or their bad reputations.
Finally I felt like I had nothing to lose so today, I called MBNA to which I owe $19,000. I told her that I met with a few lawyers and this week and we are on the verge of bankruptcy. We really don't want to declare bankruptcy and we have a chance right now to get a home equity loan and we are wondering if you would be willing to settle for 60% of what is owed. Without hesitation she said yes we can accept that. She was very nice and cordial and just told me to call them when I get close to getting the money. She documented everything gave me her phone number and name.
So, to everyone who is considering a settlement company, you can do it yourself! I had read people talking about how you could do it yourself but never saw any posts about anyone that has actually done it. It was very easy and the phone call lasted about 3 minutes.


lrhall41

Submitted by mattyk151 on Thu, 06/15/2006 - 15:01

( Posts: 24 | Credits: )


GOOD for you!! YOur right, you can do it yourself. I know I was able to do that with Citibank when Lawgistix made ME do it. But see your lucky because you have an OUT...you are able to get the money out of your home and naturally they would accept it. Many people though don't have that option and I don't know how easy it would be. I know with citi I owed $1156 and they offered $900 then I wanted $450, the thing is it took a month to get them down that far...it can be done though. but you ought to feel proud of yourself for what you were able to get!


lrhall41

Submitted by quietsound on Thu, 06/15/2006 - 15:13

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heh i can't file bankruptcy BECAUSE I have a home... i haven't met with my non-free lawyer yet, but the free one told me that because i have a HUD home, which is worth a lot more than I paid for it (and we fixed it up), the credit card companies view that as me being able to sell it and pay them. It doesn't matter that I own it with another person (not related to me in any way), it doesn't matter that I have no where else to live, and now with my cruddy new credit score, couldn't live anywhere anyway. He said that would create a lot of problems on the bankruptcy because of all that equity that again, I'd probably have to sell the house.

Granted, that was a free lawyer. I think he was trying to get rid of me as soon as possible. I've pushed bankruptcy aside for now, with my lawyer, we may pursue other options.


lrhall41

Submitted by on Thu, 06/15/2006 - 17:49

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who are you "guest" a representative of the company, get real I stood with it for over 8 months and was hung out to dry by them. YOu can even REACH the customer service department! YOu have to leave a message now and they don't return calls, so how is that excellent.


lrhall41

Submitted by on Sat, 07/22/2006 - 18:59

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:x I was desperate and I needed help with my debts. I goggled debt settlement I thought I did my homework and I found Lawgistixs. WOW they sent me a packet welcoming me to just take it easy and they would handle everything. Did they ever I am worse off than I was before joinging this high priced ripe off. I blame myself because the only way to handle your business is to do it yourself. If you are in debt try to talk to your creditors and try to work out something. I have taken control of my situation through the help of my faith and some good friends I will make it. I advice any one in debt to be very, very, very careful when you are getting advice from a debt consulting company. The creditors have become more agressive and they will file what ever charges and or legal claims against you. I know this from exprienence. Good luck to all of the people who are like me.


lrhall41

Submitted by on Sun, 09/10/2006 - 19:26

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I am very concerned about the comments about Lawgistix. I currently am a customer of Lawgistix and they have done nothing to help me. I have had to contact all my creditors myself so far to make deals. They have turnover on the reps on a monthly basis and some are very rude. I have asked for a supervisor many times to no avail. Do not choose Lawgistix if you life depends on it in regards to debt settlement!


lrhall41

Submitted by on Thu, 10/19/2006 - 11:26

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Hi,
Lawgistix "claims" a lot of things, but when it really comes down to "working" for you, Lawgistix is worthless!! Former clients who literally got 'screwed" by Lawgistix inability to perform there job.
Approximately 6 months into the program, we received summon letters from creditors. After approximately 8 months into the program, 4 JUDGMENTS were brought against us & we had 4 of bank accounts frozen!!!
We understand that some instances can????????t be foreseen, but receiving 4 Judgments and forced to file bankruptcy anyways is ridiculous, to clean up Lawgistix "mess', we were forced to file bankruptcy anyways!!!!
Lawgistix has caused us major financial hardships during 2006 & of course, Lawgistix does not feel they are at fault.
I can't vouch for other debt settlement services, but I CAN VOUCH FOR OR AGAINST LAWGISTIX.
** DO NOT USE THEM **
Unless you are seeking more financial hardship!!
Feel free to contact me with questions


lrhall41

Submitted by mycon73 on Sat, 02/03/2007 - 11:23

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you had 4 bank accounts frozen??

Why in the world would you have 4 bank accounts - apparently you don't have money if you are not paying your debt.

I find what you are saying to be unbelievable


lrhall41

Submitted by on Sun, 02/25/2007 - 08:02

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Consumers lack of control is the very reason that Lawgistix exists. People who like to point fingers and lay blame about the company need to take a hard look at themeselves. I must agree with many of the others comments regarding someones ability to open a multitude of accounts but lack the ability to pay. I wonder how someone could get that many accounts.

I have personally gone through chapter 13 bankruptcy and wished that I had not. Here I am 8 years later, my credit score is only 670. My score was only 540 after the bankruptcy was final. I bought a house with my score so low and paid 2% over prime at the date of purchase. I bought 2 cars 6 months ago and the interest is 9.75%. I am still paying for my bankruptcy.

I know people who have gone through the program at Lawgistix and after 6 months have a credit scores much higher then my own. I wished that I had known about Lawgisitx instead of declaring bankruptcy.


lrhall41

Submitted by on Wed, 02/28/2007 - 08:54

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About the multiple accounts question. My wife and I have about 6 checking accounts between us :shock: We find it easier to determine where money goes and they are all no fee checking so that's how we classify what money goes in and out. I am not rich by no stretch of the imagination,but all my bills get paid on time.

Itis funny how every time someone on this board critizes a debt settlement company,they are critized or harassed instead of the company openly addressing their issues.


lrhall41

Submitted by cajunbulldog on Wed, 02/28/2007 - 09:31

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I will have to say, I am going to court soon and after speaking with an attorney, I do feel lawgistix has done nothing they promised to help me with. I do take ownership for my financial problems but they are just preying on people with false promises. The have done nothing and have negotiated nothing for me in the last 2 years and now I will have to file bankruptcy anyway. I agree, speak to a lawyer first as all they did was charge me a service fee with amounts to over $2,000 dollars and have not helped me one bit.


lrhall41

Submitted by on Tue, 03/06/2007 - 16:42

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Not all settlement companies are bad. However because of a few bad apples it makes the industry look bad. When searching for a settlement company do your research. Of course check the BBB . Also contact you district attorney. (VERY IMPORTANT)Make sure they are either members of USOBA (United States Organiztion for Bankruptcy Altnernatives ) or TASC (The Association Of Settlement Companies ). They pretty much set the guide lines for the settlement industry and to be a member with them you can`t be ripping people off. I looked up Lawgistix and I see they are NOT a member of either organization. I am sorry you got ripped off. I would file a complaint with the Better bussiness Buerue and the Federal Trade Commission. You might can get a refund and perhaps use it with another company that doesn`t scam people.


lrhall41

Submitted by on Tue, 03/06/2007 - 18:29

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There are ways to handle debt settlements yourself. The power of these companies is often times in their library of letters. Go to goarticles.com and search under content-lawgistix. You'll find my story with them there, and what I did to take control of my debt.
I am not saying anything bad about Lawgistix other than I am the one that should have been smarter! Now that I'm in control and not paying someone else $1,000's to "manage" my mess, my best interests are suddenly being met! Good Luck to everyone who is here! I know how stressful this time in your life is!
It does get better.


lrhall41

Submitted by on Tue, 03/13/2007 - 21:39

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They actually give leads to a bunch of different companies. I don't see how that's a scam if it's all upfront.

When you register for the site you have the option of being contacted by a debt counselor in your area. You can opt out, or if you do want it, you will get a phone call. That's it.

Since you work for a company that has things written about it on this site, and they aren't all good, then maybe you should spend more time working on your customer service then bashing a site that's here to help people.


lrhall41

Submitted by goudah2424 on Tue, 03/20/2007 - 11:55

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Hmmm....ok, let's look at this realistically.

Consumer finds themselves neck-deep in debt from money problems, payday loans, etc. Comes to this site, signs up, sees the FREE counseling offer. Signs up for the counseling session. Receives a phone call offering a debt settlement program or consolidation of their debts. Consumer is allowed to make the decision whether to use the program or not. In the meantime, consumer is also browsing these forums and finding much useful information regarding their payday loans and ways to deal with the ones they've overpaid on, and how to go about getting out of debt and improving their credit rating.

Hmmm...scam? I think not.


lrhall41

Submitted by SUEBEEHONEY70 on Tue, 03/20/2007 - 14:13

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