Bay View Law Group

I have never delt with Bay View, but the few other law firms I have checked out in California and everyone are bad companies. They all had very bad bbb ratings. Not saying Bay View is bad. Just be sure to do lots of google searches on their company.

Also, here is a previous thread that mentions Bay View.
http://www.debtconsolidationcare.com/settlement/bayviewlaw-group.html

Just be sure to do lots of google searches on their company.

Also, here is a previous thread that mentions Bay View.
http://www.debtconsolidationcare.com/settlement/bayviewlaw-group.html

I am a former client of Bay View Law. I was in serious trouble with credit card debt and I hired them to help. I was stressed about my debt and really felt stuck. They explained it was a process and a partnership. They explained all the ups and downs of getting out of debt through lawyer based settlement. I felt very well informed before hiring them. I was fully aware of the possibility of creditor calls and the possibility thre creditors may sue. They settled all my debt including one that the creditor was suing me. Tanya at Bay Veiw was particularly helpful with the law suit. She explained all my options and let me choose the course of action. The debt was settled before it ever went any further. They were very helpful, particularly with the law suit. Bay View settled all my debt for a very low percentage and I am now completely out of credit card debt. It wasn't always easy, but I got myself in debt and I didn't expect a miracle. But I kinda feel like i got one. I have referred 2 family members to Bayveiw and they currently working with them and have no complaints.

Do they just handle California?

Bayview is listed on Ripoffreport.com twice as a scam. I was contacted by members of Bayview Law Group and a company called Lifeguard Financial in the same day. I did research and found the negative articles on bayview. This site had listed negative remarks about Lifeguard but I found no concrete evidence and I had 50k + worth of debt to get rid of. I went with Lifeguard. I'm six months in and so far so good.... Checking the credentials and BBB rating is the best thing to do.

Peter

NO WAY! STAY AWAY! VERONICA KNOWS NOTHING WHEN YOU ASK HER WHO AND WHAT CARD SHE PAID AND WHERE MY MONEY IS. TANYA GOT HER LICENCE FROM A CRACKER JACK BOX. I AM SO SCREWED! THEY DON'T SETTLE UNTIL YOU ARE SUMMONED TO COURT. MY CREDIT IS SO FAR GONE!

Well I guess every company gets both good and bad press because they have been perfect for us. I found a press release online about them accepting more pro-bono clients, so I signed up my sister for a free consultation and entered her story into the provided hardship box on their application.

She didn't qualify for the pro-bono service, but their fees are in the ballpark of other companies we shopped and they are a debt settlement law firm instead of just a debt settlement company. So far (7 months) they have been excellent to her and their service costs would have been worth it.

All the info about what completing a debt settlement program actually takes and what pros/cons to weigh before enrolling is clearly outlined on their website in more detail than anywhere else we could find. Plus they have a client log in area where she can check what documents have been sent to her creditors, how much she's paid to the law firm so far, and how much money has built up in her trust account to use for settlements.

Her stress level is way down after following their "Reducing Creditor Harassment" guidelines and the collection calls have all but stopped since they sent power of attorney statements to all of her creditors. Seriously, nothing but good things from that firm so far.

And if you actually READ all the posts that give them negative reviews like the rip-off report, its about stuff that people should have already known before getting involved in a debt settlement program. Most of those people just sound stupid in fact as they have no excuse for not knowing the info because it???s on the website, outlined with the counselor over the phone, written in the contract that my sister signed, and then explained on a voice recording.

Like the guy who posted before this talking about "my credit is so far gone." If you didn't have the money to pay off your debt in the first place, do you think you had 700 credit score? Your credit was already shot whether you did debt settlement, bankruptcy, or tried to pay the total debt with minimum payments that never take care of more than interest. Not to mention the fact that a person who decides to do debt settlement will see a severe drop in their credit score is explained over and over again in any informative document about debt settlement anywhere on the web!

The same goes for people who complain about receiving a summons: of course you can get sued, in a debt settlement program you are actively NOT PAYING YOUR CREDITORS the money you owe them! The real question is do you have a law firm like Bay View to advise you once you get the summons and to push harder for a settlement as your legal representative? Think about it, is a creditor more likely to following through with lawsuit if you are not working with a law firm or if you are represented by a law firm properly managing the litigation process (costing the creditor more money) while aggressively pushing for a settlement?

Some people just don't get it because they are too lazy to read the details and they just expect all their problems to magically go away.

Bay View Law Group is great. They are helping my sis. All the info is on their site in Black and White if you have half a brain to read. Nothing is full-proof.

Understand there is risk. If you do debt settlement, you are taking a calculated gamble that your creditors will settle. Stack the chips on your side by using an experience law firm and let the dice fly. But don???t cry about it because in the end, it???s customers like my sister (as much as I love her) that are going back on their original promise to pay the creditor. The debt settlement companies are just trying to get you out of your own mess with paying as little money as possible.

Okay, I'm off my soapbox.

i went to bay view - i can say it is a rip off. they took a stack of money from me upfront. made me pay ca$h. they said this was to settle my credit card accounts. they did not settle a single one. they took the money like a dog in heat. my creditors got paid nothing. i got sued. now i owe my creditors more than i did before & i got nothing to show for the bay view crap. i am gonna file a complaint with the state bar. stay away - keep you distance. this is bad.

i went to bay view - i can say it is a rip off. they took a stack of money from me upfront. made me pay ca$h. they said this was to settle my credit card accounts. they did not settle a single one. they took the money like a dog in heat. my creditors got paid nothing. i got sued. now i owe my creditors more than i did before & i got nothing to show for the bay view crap. i am gonna file a complaint with the state bar. stay away - keep you distance. this is bad.

I think people who are doing debt stlmnt tend to forget that they are entering a program that won't wave a magic wand overnight and fix everything. It takes time to rack up debt and it takes time to settle it. From what I have experienced they have been great. All the downfalls of their program have been the things that come with dealing with any credit card companies I got into too much debt with anyway and the law protects me from harassment so in the end, as my accounts settle, I will eventually be debt free. It's been over a decade since I could say that and I'm half way there.

Take it for what it is but I think they are doing a great job for me.

It's true that there are no quick fixes for people who are unable to pay their debts as agreed. Many people are in debt due to circumstances beyond their control..illness, loss of a job,etc. So, while nobody wants to be in that position there are legitmate ways to handle the debt. Debt settlement is one way of reducing your debt and eventually becoming debt free. The problem is that, unfortunately, many debt settlement companies advertise it as a quick fix. It's not. It can take anywhere from 12 to 40 months. Many companies also are not upfront about the fact that it will effect your credit. It does effect your credit, but it is better then bankruptcy because that will effect your credit for 10 years. With debt settlement, once your debts are settled your credit score will improve. The other problem is that many debt settlement companies accept anyone into the program instead of doing a finacial analysis to determine if the program is right for that person. So, it is important that you make sure you consult with a few companies to see who is being most upfront and thorough.

:idea: before you rush into debt settlement, as i did, try to work with the creditor...TRUST ME...the creditor will work with you. they are so overloaded with bad debt that they are selling bad loans for 10-20 cents on the dollar to debt collection agencies. so GROW A PAIR and pick up the phone. they best thing to say is "can you help me out here" and BE HONEST if you're sick or have lost your job they will help you...even if you're just in over your head. you have a better chance trying to settle with the creditor than paying thousands $$$$ more to a debt settlement agency. of course, i found all of this out after i was in knee deep. i wish someone had told me in the beginning. good luck and don't worry there is hope.

debt settlement doesnt help your credit the way it works. the first 5-7 months you and the attorneys let your accounts charge off and your credit has to WILLINGLY NOSE DIVE!!! After all, what the hell are you worried about credit for in the first place. The last thing someone drowning in debt needs is more debt...grin and bear it....its better than bankruptcy....then...the accounts settle out and after the program...a little credit repair effort and some new credit accounts and your all good. OH YEAH...words of wisdom....if you google every area of the financial services sector of business, you would think everything is a scam! Wake up paranoid fools.

You would be able to settle with collectors and the credit company for the same rates as the attroneys would. You would save thousands in retainer fees. most of these companies start taking 75% of the retainer fee immediately and it will take you a year to build up your trust to possibly settle any account. Bay View will not take from their retainer fee to help settle even though you are in the set program with them. Attorneys do not call the creditors or collections agencies to resolve your debt, customer service representatives do.

If a company sues you, the last thing they want to do is go to court. you can get an extremely generous settlement. Bay View Law will not protect or represent you if you go to court.

My advice from experience, settle yourself with the creditors. They are even willing to set up payment plans with you for the reduced settlement.

Good luck

I have heard nothing but bad things about this company. They have very deceptive advertising practices and they take your money and don't settle you accounts.

STAY AWAY FROM THIS PIECE OF S**T COMPANY.

You do not have clue what your talking about your just one of the idiots that DID NOT LISTEN to your account executive they CANNOT settle your debt with no money!!! you must have alump sum for the creditors. not 10 bucks you were told this in beginning. wake up stop making excuses, and blaming other party for your ignorance.


Quote:

you must be mistaken they don't have upfront fees but rather roll their meger fees into the monthly payment which is HALF of what I was paying the credit card loan sharks...stop spreading lies, there are people out there who really need help...

Why are the insults toward bayview from people who don't say their name, and only type in caps? "I have heard this"...that means nothing!

The unfounded criticism is obviously from other debt settlement companies who lost a client to bayview because they did a great job with the client instead of trying to hustle a client out of big down payment fees lol

Bayview was more than helpful to me and explained everything perfectly clear, and on the contract. I think the only unhappy people are idiots that don't read the contract or ask intelligent questions. Its not a quick fix; its a vehicle to set aside money to acquire a large enough balance that the creditor will agree to settle. Simple as that!

I have used Bay View Law Group and they really helped me. I was in over my head in debt. I was being harrassed by creditors daily. Bay View wasn't a quick fix but since I put myself into debt how can I honestly expect someone to fix it overnight? My accounts were settled and I paid back much less then I owed and now I am debt free. I am very grateful for what Bay View did for me. I would recommend this company to everyone.

Bay View is a member of USOBA, one of the major associations that act as an oversight committee to the Debt Settlement Industry. If they weren't doing things the right way, they would be stripped of their membership. Keep in mind that most DS companies are going to have complaints - due to the parameters of the industry. The greater the size of the company, the more complaints.

All the complaints are unfortunatly true. They took me for almost 16 grand and lied to me for 18 months. They took almost $900.00 out of my bank account every month and never paid a dime to any of my creditors! I got sued twice and they wouldn't even call me back for four months! I finally filed for a 13 banruptcy and Bay View won't give me my money back! They will lie to you until you get mad and then their true colors come out. The lot of them should be in jail. I'm going to report them to Cali's attorney General, Jerry Brown tomorrow. They must be stopped and that's a good place to start. Please, please stay away!

Listen, if you were paying 900 per month then your debt had to be over a 100 grand and you had to have been enrolled in a 5 year program and you simply didn't see it out, you wanted a quick fix and you stopped paying them and expected them to call you back...go figure, this is very transparent

Bayview Law Group is apparently some kind of consortium that markets through criminal practices, and as such is complicit in illegal activities and should be treated as such, regardless of whether some affiliates in some states may in some cases not be outright frauds, or not know how their own company or source of leads operates. They use 3rd party call centers that illegally robo-dial cel phones and Do Not Call listed numbers, screen people who pass some automated questions with high turnover staff who hide identities and search for susceptible marks, and then filter those through other scammers like FH Financial in Dallas, TX. Any actual lawyers who can be identified conspiring in that scam with Bayview Law Group deserve Bar ethics complaints in whatever one or more states of licensure, and civil fines and criminal convictions via a mix of the FCC, FBI, FTC, & DOJ Federally, plus in many cases state Attorney Generals. Hardly the kind of business one would trust with personal and financial information. One marketing site shows these scammers operating in 38 states and DC, while their own site claims they now have lawyers in all states except FL, CO, and HI. Their headquarters is in San Diego, CA, and their illegal telemarketing operations are reportedly there and in Ohio, though those could move around to evade Federal investigations as similar RICO operations generally do. OTOH, maybe some large banks deserve such scammer law firms? Certain large banks have business plans to issue credit liberally, but then use deviously interpreted stacked fees and penalties, including over limit charges for provisional charges many merchants impose as dummy transactions, and run effective interest rates to over 50% effective rates. The way certain large predatory banks now do that used to be called usury and fraud. I personally have zero such debt, but I've seen friends maliciously prosecuted by Capital One and default judgments issued after no valid legal service of process, and seen Suntrust "work with" long time customers in ways that drive them to near suicide. Some of those banks should not be bailed out by taxpayers, but deserve help to fail and disappear. Note, every individual lawyer working for or contracting with Bayview Law Group is violating legal ethics and Bar requirements for licensure merely by contracting with robocalling and target filtering insulated layers of third party agents to do the financial industry equivalent of ambulance chasing. In this case, it's not just baristry, but an interstate criminal conspiracy inviting prosecution.

Quote:

Every complaint I've read about is obviously from people that don't read the contract. People are so lazy today. Read what you're getting into. Debt settlement doesn't happen overnight. Attorneys typically negotiate better than non attorneys. Every debt settlement company has their commissions paid upfront since it takes time to negotiate and settle with creditors. Can they still sue you? Sure, but it makes more sense for the creditors to settle. If you can afford the payment, the debt management guys program makes more sense. They do more than just debt settlement too!

Quote:

I had six credit cards that added up to just over thirty thousand dollars.

I believe my success is due to my decision to GET OUT OF DEBT. It wasn't easy. I gave up many pleasures I had enjoyed in the past. I have two yard sales to gather more money in order to settle my cards as fast as possible. I pinched pennies, turned off lights, lowered my heating temperature, took the bus three days a week, only brown bagged lunch and did everything I could do to accomplish the goal.

Some days were very frustrating. Bill collectors tried to intimidate me. Bay View kept working on my behalf. I finished in twenty-two months. All six were settled for a total of $11,233.87.

I took the free educational course Bay View offers on their website. I read and followed the advice they offer in their newsletter. I took a course in personal finance at a community college. I WILL NEVER CARRY A BALANCE ON A CREDIT CARD AGAIN. The $800 I used to pay to my cards is no longer hanging over my head. I save ten percent of my income. My phone ringing doesn't scare me anymore.

Bay View employees treated me respectfully and politely. They were obviously busy but helped me acheive my goal. I still receive and read their weekly newsletters.

I would recommend them to my friends.

I love Bay View "Law" group replying to this thread as customers. This is a scam --- just check the BBB and RIP Off report. Someone should complain to the California Bar Association about their practices.

USOBA is a great group but they are a USOBA vendor and pay USOBA to be a vendor. USOBA has a disclaimer about vendor that do not have to meet the standards of certified members.

When will everyone learn? THEYRE ALL RIP-OFFS....EVEN THOSE OF YOU THAT ARE "HAPPY" WITH YOUR SERVICE, YOU WOULD HAVE GOTTEN THE SAME, IF NOT BETTER SETTLEMENTS DEALING DIRECTLY WITH YOUR CREDITORS. They are charging for a service that companies have offered for years. So what im saying is, unless you want to pay for something like the oxygen you breathe, STAY AWAY. If you still think its a good idea, well I could begin charging you for the air you breathe right now, say 10 $ a day. You pay them for something you can get for free, why not do the same with me?

All of the people complaining on this forum sound retarded!!!!! Go to a magic show if you believe in magic. If you made the poor decisions to get your self into a bad situation, and you cannot get yourself out. Then dont get mad because there is no program that just misteriously whips out your debt, for free! Get serious people. "I got sued'' well if you didnt know that was a possibility then you are retarted. Would you go to the Dr and get surgery and then call the Dr. a scam artist the first secound you felt a little pain. If YOU get yourself in a bad position understand you may have a fairly tough road ahead of you.

And no I didnt spell check this so maybee the retards can read it!

Quote:

Quote:

Have any firm give you the State where they are organized (where their corp, LLC or partnership has its primary address) and then find out who are the partners and go on the internet and find the CA Bar or FL Bar or Oregon Bar and see if the lawyers are licensed in the State where they are taking retainers............if not, make a bar complaint........or call the attorney general's office in your Stae.

Quote:

Yep it is a legitimate company and is registerd call the California Bar Assn. 213 627 2727

Being accreditited by the BBB doesnt mean much...you are accredited when you become a paid member.

I WAS TOLD IT WOULD TAKE 2 YEARS. IT'S BEE 3 YEARS. THEY WORK SLOW SO THEY CAN CHARGE YOU A FEE EVEY MONTH FOR USING THEM. I AM DECIDING TO DO IT ON MY OWN. IM GOING TO HAVE $500.00 DIRECTLY DEPOSITED FROM EVERY PAYCHECK PUT IT INTO A SEPERATE BANK ACCOUNT, LET IT BUILD UP UNTIL I GET A SUMMONS. THEN PAY A BIG CHUNK TO THAT CREDITOR.That is all they did for me! i could have saved money doing it myself. Actually, i have been doing all the phone calls and telling them who and what to pay! Do it yourself trust me!

Stay away! That's the short answer ! You'll be
Promised the moon and they deliver
Nothing. Please be aware this company
And others like it appeal to us usually
At a point of desperation. They do nothing
More than you could do by yourself
For yourself. Remember money put you
Into this mess and money will get
You out. There is no magic !
Good luck

this company practiced debt settlement in KS with no license and violated the law. I'm in the process of going after these people. thanks To their decepion they have alot of my money, settled nothing and got me judgements. "STAY AWAY FRM BAYVIEW LAW GROUP"

Quote:

I fell for their smooze. Now they have all my credit and banking #'s + >$800.00 and a bunch of my time. I have contacted both my credit cards:
#1 - Neither of them has been contacted by Bayview on my behalf.
#2 - Neither of these credit cards (AMEX & Visa) do business through Bayview.
Draw your own conclusions.
As for me I'm in small claims court with them.

Thank you for your information - between this site and sevearl others I decided not to work with them. I am a notary and they contacted me to deliver their paperwork to the people applying. Normally this would be the steps I would take as a notary for mortgages, refinances, loans, etc., as I have for almost 10 years....difference is with Bay View Law, they don't want me to notarize anything, they just want me to say I am a representative of theirs. As all people in this ecconomy I could use the money they pay BUT if these are unprofessional scammer then I could risk using my notary license and my process server license saying I represent people I don't even know. Thanks all and my opinion - RUN THE OTHER WAY.

dont do it. they told us that the fees we paid to use them to settle debt would be a tax deduction, wrong. we are not trying to get a statement from them and now they are telling us the only thing we will get is the 1099-C fromt he credit cards we settle with. stay away from them. we did the settlement with our credit cards on our own. bay view was not helpful at all. they didnt stop the calls and were mor of a hinderenct than a help. :(

ola mi nombre es juan jose masis yo no estoy contento como ustedes estan manejan mi cuenta .la informacion que ,ofrcen a.los clientes es muy pobre yo .ya estoy buscando otra compania para tranferir mi cuenta gracias