Financial Solutions Legal Center: Need information about this company

I have never heard of Financial Solutions Legal Center. Have you checked the bbb for them? Also you can register here for a free debt consult either register online, call the 1-800-601-1579 or click on the right hand side of your screen. Others will be along shortly to advise you.

ladybug

well i really don't know how Financial Solutions Consumer Center are but here is a piece of information about them on which i could lay my hands on. do a through research on them before entrusting them with your financial responsibilities. this is applicable to any firm that you may be trying to deal with. after all, they will be in possession of everything related to your finance. so you should always check out the validity of any company. all the best!

Hi! We are really good. :P

Please, feel free to check us out.
I can't post links on this site, but go to BBB.org to see that we have never had a complaint. I used to frequent these boards more often, but unfortunatly I have been crazy busy.

We even have clients so happy they offer to talk to potential clients. If you need a reccomendation, we can hook you up.

Hi, in a posting on the Debt Consolidation Care page you offer to refer potential clients with past satisfied clients. I am considering using your company and I'd like to take advantage of your offer.
My e-mail address is: edited for your protection - ND

I am considering using this company as well and would like to hear of anybody's experience with them.

I was a customer for this company they dont help you at all they charge you hidden fees and are great at manipulating you. If your having credit card problems if you missed monthly payments you can call and settle on your own they will offer you great deals the creditors not this company.

Deleted - ND charges absolutely NO hidden fees. You pay exactly what you were told from the first day until you finish. We pride ourselves on not being one of those companies that start charging extra random fees.

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They may be a joke and it may be on me. We contracted them to help us and 1 month into it at 10pm the deputy delivered a summons to appear in small claims court issued by one of our creditors. Why pay all of the fees hidden or not if I will end up pleading in court??

It sounds like you were pretty far down the path when you joined with us. We WILL still help you. Please call our client service department.

Actually we were not late on anything until we joined FSLC. We were current on all bills. We were just real strapped and could do nothing but eat sleep and pay bills. After three years of this we needed to make a change that is when we contacted FSLC. They sent us our little letters and we forwarded them to our creditors. Within a week of that we had the law at our door. Funny part is I asked about those types of things on the front side and was told it should not be a problem.

we are considering this company but cant find anything. anyone have any info. hve you used them. are they okay.

This company is only a couple of years old ( no matter what they tell you)and it is owned by a man named Tom Lynch. He has a sorted history at best in the indusrty. He is known for starting companies and then bailing out with no regard to the employees or clients IE: Legal Consumer Credit Institute for one. He has hired an assortment of unsavory criminals to run his latest scam. These include but are not limited to:

Mark Bradley- Convicted felon for check fraud
Greg Goldsholl- Convicted felon for beating up a woman
James Bryan- Just served 2 years in prison for putting a woman in the hospital with a cracked skull.

Just the type I would want handling my finances!!!!

Their philosophy is very clear...get the deal at any cost.

Beware of this company

If you need help please feel free to email me at EMAIL DELETED. i do free consultation.
[samebox:d5f6098ae2="paulmergel"]you won't get free business here.[/samebox:d5f6098ae2]

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I am with this company at this time. It's been a mixed bag, working with them - I had a better experience with debt consolidation. I really don't like that I have a settlement against me and now a lien against my bank acct. My issue is that I am separated and had to pay for my apt and on our house for over a yr so it wouldn't be foreclosed... I was current on payments until I started with FSLC. For whatever reason, no settlement has been negotiated yet and I have not accrued much in the way of settlement fees yet (although I've almost paid FSLC several thousand dollars.) I hope it pans out... I need it to. They have given me good and not-so-good advice, it has definitely not been them taking the lead. They have not been proactive about communicating with me and I am unaware of the position re: negotiated settlements. I do not have confidence that they will work with me to rebuild credit, but hope I am wrong.

[QUOTE=rstimson;434705]Deleted - ND charges absolutely NO hidden fees. You pay exactly what you were told from the first day until you finish. We pride ourselves on not being one of those companies that start charging extra random fees.
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RStimson -- if you are still out there, please post a reply. We have been a client with FSLC for about 8 months. Still waiting on "negotiators" to work out a deal with our creditors. Just received a civil summons from a creditor. Keep getting the "be patient, we're working on it" message from FSLC. Feels like we have been scammed.

I've been trying to find info also, maybe I'm looking under the wrong city or state at the BBB site. I looked in CA and nothing came up. I would like to find a reputable company to work with. There are so many scam companies out there how is one to know which one to trust?

I am also starting to worry about this company! Starting to go down road of the lien on my bank accounts etc etc. I call them and they say.... get a prepaid credit card and we will still be working with your creditor to obtain a settlement for you!

What the@#$^%^$*# i was currents on all my cards before them now i feel like im screwed!

Actually this company isn't bad. They are one of the better companies doing this. But you need to research them well. Because not every company works the best for you as an individual. Basically what they do is this:
You get the total sum of your debt altogether. Now that is the total of debt you owe on the particular day you talk to one of there compliance officers. They take that amount and set up on a payment plan based on around 45% of what you owe plus an additional 20% that they keep for fees. They start you off on making payments to the company, and saving a certain amount of money in your own bank account for settlement payments. So once they start making deals and settlements with your creditors they have money in an account they can use to pay your settlements. If you don't have settlement funds available, they can't make the settlement. So they will try to increase your payment or postpone some fees to get your payments started. The lower they are able to settle your accounts for the more money they make, and the more you save. This program fails when people don't save their own money. It seems kind of stupid to pay a company that is making you save your own settlement funds, but that is how they do it.....but yeah it's in both of your interests for them to be successful, so they will work to get you low settlements. How they are able to do this is based on the age of your debts. They have done it long enough to know when to start hammering the creditors with offers. The companies accept these offers due to internal deadlines and liability for debts. Yes you can get the same results as they do, you just need to know when to start asking for your best settlement.
For Bank of America it is 90 to 120 days past the last payment date or when it goes to there collection department. At this 90 day mark you can usually settle your debt for 13 to 20%. And if you're settling at 20% you aren't very good at negotiation.
For HSBC Accounts the best settlement dates are at 120 - 180 days delinquent. And your best settlements range from 25% to 38%.
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For Chase it's at the 160 mark and beyond, and they settle for around 45% at best.
For other banks it's really a crap shot.
All three of these companies will allow you to make payments on these accounts ranging from 1 to 6 payments max.
That said the average person will have some difficulty dealing with Chase, and to a lesser extent HSBC. If you are going to use this company, I'd suggest you work your Bank Of America accounts on your own. And reject any offer from bank of america above 19%.
The rest of the accounts they can probably help you with, and get the same results you could as an individual including their fees.
The other information they give you that may or may not be helpful for someone of this forum is as follows:
If you have an Bank account with a company you owe money cancel that account.
(doing so makes it difficult for the creditor to take payments from you. In most cases if you have a Chase credit card and Chase bank account and have made a payment on credit card from your chase bank account, there is a possibility they can deduct money from you on overdue accounts. They likely hood of them doing this isn't high, but it does exist.
If you have a credit union account and a loan from the same credit union. Cancel your account.
(This is for the same reason as above, but credit unions have more power over your account, and can actually freeze your account and close it with all the money you have in it to regain some of the money you owe them.)
If you are getting Unemployment, Social Security, Disability, child support or any other type of government sponsored funds coming into you. Set up a separate account to put them in to ensure you stay away from Cross-collateralization.
(Don't be mixing your own money with government sponsored money because these funds are exempt from judgement made for garnishments and things of that nature.)
So the bottom line a lot of the work they do, you can do on your own. If you are informed enough you can help yourself and save a lot of money.
But yes they can help you with some of the accounts I mentioned. Where they really help you is with there lawyers name appearing on letters to collection agencies. That looks good and may set some of the collections companies back, an slow them down on trying to collect from you. They also have people there that look into FDCPA law violations and help you file claims against them. If you know nothing about FCDPA laws they are helpful in that respect. But you can get all this information online.
As far as someones earlier complaint about having convicts working for them. Big deal, the collection agencies all have convicts as well. Having a convict working for them that is doing negotiations may be a good thing. Think about it.....a con man that can talk a little old lady out of her pension might just be the best person to have negotiate your accounts.
It's interesting that they can help you some with Collection agencies despite the fact they try to work with the creditor instead.

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hey, i work there too and it is unnerving at best most days. i wish you & i could talk offline somehow.

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I'm a client of theirs right now, and they are a joke. In fact, they are poor communicators, don't provide updates when requested, and provide false information about their services. In fact, they told me that rarely does a credit card company sue.........guess what I have been sued three times in six months which makes the settlement very high because you end up paying for the legal fees.

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Yeah, they are dirt asses but if you read their material and the paperwork they give you, all these things are mentioned as possibilities. I noticed stimson hasn't posted in awhile...guess he got S canned.

I am dealing with one that is basically the same crap as noted here - only instead of setting up a savings account for the settlement - they asked for their fee, i paid, they asked for a good faith $550 towards settlement, i paid it They then called stating they had the amount the creditor atty judgment peeps would settle for and i took that to her so all paid up front (i did get receipts from her for this) but it is now nearing a year and all i have gotten is the run around, excuses, we are waiting on the signed form that they will also remove the judgment from your cbr for this settlement payment, blah blah & She was very evasive with any infos and never updating me on the account issues or anything! then when I asked for my "escrow money" back because it was taking enitirely too long from what they told me then I was told it had already been released to the creditor/atty - so ok then I should have a satisfaction of judgment within so many days as is legally required. Guess what, never got it - i find lawsuits and judgments on them personally as well, i find new websites set up similar names, i find changes to old websites (and these people are here in my town i went directly to their office - i should have trusted my own instincts and turn around and left that day) I totally believe they are scamming people, using the money personally or possibly doing the similar ponzi scheme thing using new money to pay off old clients things, etc. I say you are better off negotiating with the creditors yourself - too many scammers. I could do the job better - in fact I still need a job - maybe I should set up this kind of shop for people as I got all kinds of time at home to be on the phone negotiating for them, helpin them, and I sure as hell wouldn't rip them off or take their money for my own personal benefit - a fee yes but they would have that info up front and it would be only that fee and that would be it period.

I just checked the BBB and found an "F" rating.....?

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June 21, 2010

Please share your experience with this debt relief company and provide your review and feedback, in the solicitory link deleted..pm below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

• How did you feel about the customer service experience you received?
  
• Was the company easy to communicate with before or after you became a client?
  
• Did the company respond to your communications promptly?
  
• What were the fees charged for the services you received?
  
• Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  
• Was the program successful for you and accomplish the goals you had when you entered the program?
  
• Did you have a really good experience you can share?
  
• Did you have a bad experience you want to share?
  
• Is there any other information you???d like people to know that might be considering the services of this company?
  

I agree. If the company has an A rating, and no real complaints, then someone is falsifying information here.

Oddly enough they have changed their name again. They are now Financial Solutions Processing Center. =) Funny Stuff. And to whom ever keeps talking about the Better Business Bureau. Give up already. BBB ratings are meaningless these days.

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WAKE up PEOPLE!! do your homework. This company changes their names every few months. Actually, they probably register many names all at once so that when one starts to catch up with them, they can move to another "member since 2007" account and start using that rating.

This company started out as "Financial Solutions Legal Center", then to "Financial Solutions Processing Center" and even "Financial Solutions Consumer Center".

http://www.bbb.org/san-diego/business-reviews/financial-planning-consultants/financial-solutions-legal-center-in-oceanside-ca-16005525/#oob
This is the link to their previous name which is now closed.

http://www.fscc1.com/ The website they have up with all the same information as http://www.fslegalcenter.com/index.html

These guys are scammers. Plain and Simple! Everyone should do themselves the favor and call a LEGIT company that doesnt have to rely on BBB ratings. Try a real Law Firm from the Phone Book.

Everything bad about this company that has been posted is TRUE. They treat their employees like S**T and because they are having financial problems, they try to fire them for insubordination so they don't have to pay Unemployment Benefits. With the new laws & regulations, they are still trying to scam people and beat up their working staff at the same time. Anyone with half a brain can do a debt program on their own and work with the credit card companies without paying the fees.

I don't know much about the alleged convict claims, or the customer service side of the company, but I do know they are unprofessional as hell. They left our entire office waiting and wondering for a day and a half if we were going to have jobs only to fire us, with NO reason as to why.

thanks for all the reviews. This really helped me to avoid them. I have getting emails daily from them...

I had very bad experience with this company,they will communicating while you are paying fee to them.After, they are vanishing.Save your money,try to talk to the creditors,usually bank give good deal ,like one time settlement or you can do payments every month.Stay away from Financial Solution Legal Center they will not help to you.