Langhorne Debt Solutions

do not use langhorne debt solutions!!!!!!!!!!!!!!!!!!
i had 3 payday loans and they were supposed to help me reach settlement they have taken over 100 dollars a month from me and have not reached any settlements. I am still getting calls from the lenders and a wage garnished has been issued to me from one of them. when i called langhorne and asked for my money back they flat out refused and were even rude about it. you make an initial payment that is supposed to be their fee. but every payment after that they take a substantial portion from it as their fees. you will do better sending the payday loans the fee you send langhorne because at least all of it goes to pay the debt.

Funny, the program you describe isn't the one I signed up for with them. I got all kinds of stuff when I signed up explaining that they only take their fees out of my account and I was supposed to leave the rest alone for savings. And every month I get an e-mail reminding me to send in a savings statement (sometimes it's annoying to get it so often). I've been doing that. It's been hard, but it's still a lot less than I was paying the pdls. I did get some calls for the first couple of months but they eventually stopped. I've been with them eight months and they got me three settlements out of the seven pdls I've got them working on so I'm happy with them. Now I only pay them $29.95 a month and the rest goes into savings so they should get more for soon.

i have heard both good and bad about langhorne.. i personally was turned off by them but maybe they can work for you? What state are you in? Have you considered working this out on your own? I did with the help of this board and it worked out really well.

With Langhorne, you give them list of PDLs you owe to and how much you originally borrowed. They will calculate an amount you have to set aside each month. The first month they also charge $100 fee, after that, you set aside the amount they calculated. From that amount, they will withdraw around 90% the first three month (the rest stays in your account), then about 50% next two months (the rest stays in your account) and then you pay a flat fee of about $30 for the next 7 months. So, if you are told to set aside $100, then the first 3 moths they take out $90 for their fees, next 2 month they take $50 and then $30 for the rest of the year. Now, even though their fee gets lower, you still have to set aside $100. Basically, as their fee is getting lower, the money available for settlement keeps accumulating.
I would not use them if you do not have substantial debt with PDLs, it would not be worth it. You have to realize, that the first three months there will most likely be no settlement reached, simply because you won't have any money left. It is the 4th month when the money for settlement will start becoming available, at least some of it. Basically, they charge their fees before anything is done. Also, the strategy is to let the debt mature, as the idea is, that the older the debt, the more likely (and for less) the creditor is to settle (but be careful, this can backfire too). Anyway, I use Langhorne, now I am in my second month, and although no settlement was reached, they did keep the creditors off my back.

I have been with Langhorne since September and they settled one of my PDL's in October. Since I was new in the program and didn't have savings built up, they were good about changing the amount of their monthly payment so I would have the funds for the settlement. After the first few months, their fee drops to the $29.95 per month and the other money sits in the account for settlements. I have been very pleased with their service and have not had calls from creditors since I signed up.

I signed up with them in September. It has been great so far. One of my PDLs "forgave" my debt. Ha! They knew they had overpaid - I'm sure. It feels like I have my life back. They have been great getting the creditors off my back. They respond via email immediately. I would completely recommend them. Good luck!

I have signed up yet, just checking into it. Can they stop wage assignments from happening?

When they fax out letters to your creditors, they include a document revoking any wage assignments you might have given the pdl's. And they can give you a letter to give to your payroll department in case some of them try to use the assignments after you've revoked them.