Legal Network of America

Hi Julesb,
Legal Network of America isa multi-jurisdictional law firm and provides debt relief services however, they are having F rating from Better Business Bureau.
The address that I've with me is:
22320 Foothill Blvd, Suite 400
Hayward, CA 94541
Phone: 888 811 LNOA (5662)
Fax: 800.524.7009.

Thanks Chris.

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That is certainly a beneficial point you have made. I am defiantly up for trying to to giving it a go by myself and observe if I find this same exact conclusion.I will keep a strong perspective on this kind of thread and hopefully I may snap up some extra material!

Please let me know what you find out. Are they ok to use?

Does anyone know that if they are ok to used too?

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how will i know about they got a lot of complains and why?

According to the research I found there are no complaints for the Legal Net Work of America. As a multi jurstical law group they are not members of the BBB accounting to not being rated.

I have been searching the Internet for more information on Legal Network of America. I have clients who have been paying a 3rd party (via Legal Network of America) over $600.00 a month for credit card negotiations and now I come to find out the credit cards have NOT been paid for 6 months and the banks are now ready to sue them. Does anyone have any idea if this is a scam or???? It doesn't sit right with me.

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yes i tryed them and they are not what they say they are. they miss lead me .and i have talk to them and ask for my money .to be put back .and they are giving me a hard time .what they dont know is that every momet that the money is not back ;.the price they will halft topay back goes up you cant gess what it is now

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well I looked into it.. they are a law group that works nationwide.. also checked the state bar licensing and they turn out perfectly legit... had a brief conversation when i spoke to someone the other day and it seems good. im still deciding whether i need to do anything at all though..

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Whoever this newport financial group is they have nothing to do with legal network of america. You are confused.

Hi,

It is very difficult to comment on any settlement company without a proper research as all settlement companies will have their rip off reports which will prove them to be scams.What is best suggested is to get the opinion from the people who had worked with them or is still working .They are the best people to guide you!

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I used them about 2 years ago .. I had a good experience, I only had 11k in credit debt but the program really helped me pay it off quickly. I am now debt free and was going to refer my friend so I was doing a search and saw this post. How it works is yes they do not make any payments to your credit card companies untill they settle your balance down to about half. You acturally fall behind on purpose, thats how they get the amount so low at payoff. It really worked for me I now have no more debt and good credit! :)

I've been with them for 6 months now and they have settled one of my lower accounts for half of what i owed. I understand is a slow process but yeah sometimes you don't have a lot of options. I also checked the company with the State Bar, and yes they are members. The attorney calls me every month to follow up or I call customer service. The phone calls from the creditors stopped, they sent me a machine that redirected phone calls to the law firm, and it helped. So far I can't complaint. =)

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you guys who believe these people happy with the service are naiive to say the least....what do you think the owners are doing??????? yes im a collector and yes we try to collect but we dont charge you as a consumer to pay your debt...it comes from the credtitor--besides i wil never--repeat--never talk to a dsa....ever!!!!!!!!!

I recently signed a contract with them and they are charging me a monthly activation fee of $173.48 and have done nothing to get a settlement. I negotiated with one card company myself and have paid it off. The other company I have debt with gave me a very satisfactory settlement but did not deal with Legal Network. The attorney for the card company actually got the settlement and said they have no dealings with Legal Network. The BBB has an F rating on them which is not a good sign. I say, stay away from them.

Who are you to be so insulting to a person who is clearly in trouble?

I would advise this person to attempt to negotiate with their creditors and stay away from Legal Network. They take money that you assume is being held to start paying your debt back when it is settled, but they are paying themselves first and began doing that immediately. I have a settlement and now don't have the money to start paying it. If I can't get the money to start paying I will lose the settlement. The settlement was obtained by the attorney for the bank. Legal Network had nothing to do with it.

I feel they are targeting elderly people and pressuring people to sign up on line. When a person is stressed out about an unpaid bill they will fall for the hype. I did and I am normally a very rational person. I know it was my fault I got into this mess, but I am very upset that there are firms out there who take advantage of people in trouble.

Please do not get involved with Legal Network or any other company involved in this business.

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This is a total scam...enough said, you spend $3400 to clear the bill for 7 months and my credit company never got the money at all and now they are suing me, what can i do to get my money back from the legal network of america? Help?

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Do NOT use this company or any of the following names they operate under; NoteWorld,Global,Affordable Bebt SolutionsINC., Legal Network If America. They take money for months never paying the creditors. This is sadly the truth my 73 yr old inlaw was taken for over 2 grand until I ,ade some calls and ended the lies. BEWARE DANGER don't listen to the fast talkers work it out with your own Financial institutions I hope this helps many people :)

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Unfortunatley, no matter how good or bad an experience you may have with DSA companies, the facts remain.... they are making money off of your money while your creditors are charging you additional late fees and intrest due to non payment. why dont people understand that they made a contractual agreement for credit to be extended and terms and conditions of that credit line are supplied at the time the credit line is approved. It is understandable that bad things happen to good people, and good people usually want to pay thier debt, creditors are aware of the state of the economy and that people who have never had debt problems before are now facing delinquencies on their credit lines. This is why you SHOULD CALL YOUR CREDITOR!!!!! THEY WILL WORK WITH YOU, AND SOMEONE ELSE WONT MAKE MONEY OFF OF YOU WHILE YOUR BALANCE IS RISING AND YOUR FICA SCORE FALLING!
I ALSO KNOW FOR A FACT THAT YOUR CREDITOR WILL GIVE THE CARD HOLDER A BETTER OFFER THAN THEY WILL GIVE A DSA BECAUSE THE CREDITORS KNOW THESE COMPANIES ARE MAKING MONEY OFF OF YOU!!!!!

As far as if LNOA is legitimate, I can't say, but when I first checked them out with the BBB, they did not have a rating. I signed up, and was satisfied at first, but now I can't get anyone to return my calls (4 months later). I went beck to the BBB and found an F rating and 7 resolved complaints against them. I did read my welcome letter, which explained the process, but I also spoke with one of the collection company representatives and decided, from the information she gave me, to terminate my contract with LNOA. This is truly a decision you will have to make, but I would do a lot of research before making a final decision.

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hello--i am a former LNOA client. i just cancelled my account. the idea was i would transfer a certain amount monthly to an escrow account, and after some time, they would negotiate with my student loan debtor. i had no luck negotiating myself. stupid me, i didn't realize that they take more than $500 in fees PER MONTH. so i put myself through hell, scrimping and saving, for 5 months only to find that i had nothing to show for it. my advice is to try negotiating for yourself, in person if possible.

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Do not use them. Work it out yourself with creditors.

They are horrible!!!!!!

They do nothing but charge high fees. They settled one of my accounts at 80% without my permission and they charged me over $1700 over 5 months to to it. I canceled and I had the hardest time even getting my escrow money back! Every time you call you can't get a straight answer and are transferred from one person to the next!

If you want to save money stay away from them as they don't care if you save money or not they just want their fees!

Now they tell me that Note World was collecting my payments and accumulating funds to settle for me. I had to get a hold of the boss and he took care of me. I'm giving you that info. He goes by kj.
kj@scoamail.com

I also got help from a women named Lynell at 888-811-5662 press option # and ask for her. Good Luck

[QUOTE][/QUOTE]I just got off the phone with these so call legel people. they have stated "will not goto court with you " you are on your own. what they have stated, "they try to handle this over the phone while you are standing in front of a Judge. In the long run they are only after your money and not really helping you out at all.:twisted:

all you people are idiots. i mean c'mon, cant you manage your debts on your own, are you all such big boneheads that you have to hire someone else to manage your debts. Save up your own money, pay y9our creditors yourselves and live a happy life.

i'm so sorry I went with them. I've paid them thousands, but done almost all the work myself with the creditors. They never answer the phone, or emails till I start to sound threatening. Now I'm trying to get ahold of them to drop out of the program, and again, all phone lines are down.

In my opinion a LNOA should be used as a back end services company. That is to say use a company that cares 110%, not sells themselves. If the company you have found runs into hard headed collection efforts & they employ someone like LNOA to answer summons / complaint, file motions etc or if worst case comes to light & you need to flip to BK & the company uses LNOA as back end to prepare & file your case for you it is a much better option. Lets face it folks an attorney simply gives whats called a "best efforts scenario" & hes off scott free - hence the F rating. I used a company called Alliance8, the kicked A** =)

go with a company that is not spread accross the country, go with personal sevices... if the company uses lnoa as backend sevice due to them being accross the country & all the do is the filings etc you will be fine.... dah!!!!