Someone from World Law Debt cold-called me one evening and told me they had a way of helping me pay off my $35,000 in credit card debt. Their program involved getting you to send your bank account number to them so they could deduct a certain amount each month, which would supposedly be kept in a fund to pay down your debt each month. They advised me to get a separate bank account at a bank where I didn't have a credit card, and use that account just for the deductions each month. They figured that $473 per month was right for me, and would leave me with some of my SS check after paying off smaller minimums on each bill.
A few days after settling this and signing up with them, I got scared that it might be a scam, and found an online group called Just Answer that could let you know if any program was a scam. For $30, I could get my question answered by someone with legal knowledge. I was instantly given the answer that they were a scam, and had been sued sometime back.
In the course of dealing with these people in the beginning, I was getting emails from Kelly Roudal at Debt Free Living, Haley Webb at World Law Debt, and people from Global Client Solutions or World Law Group. I was getting friendly service from all of them, and had no idea they weren't going to use the amount I authorized for deduction for a fund, as they had stated. Instead, I got an itemized letter later on, showing a bunch of fees that had been paid to a bunch of their people for doing nothing. This was after I had challenged them with the information I'd received from Just Answer. There was also an email denying that they were the same company that had been sued. There was much confusion on my part, as there were also other addresses besides the Florida one. I think one location was in Texas.
I immediately closed the bank account I'd opened at Union Bank and went back to Bank of America. Later I closed the BoA account as well, and went with just my Patelco Credit Union account, which I'd never given the number of to any of these companies. I was forced to file bankruptcy and have a hearing on November 21, 2012. The debt was forgiven, but I was not able to get my $473 back from WLD or any of their other names. I was told at the hearing, that if I became a beneficiary to a will within 6 months, I may have to pay the entire amount back to the creditors. My mom is not well, and is in a nursing home with Lewy Body Dementia, so there is no way of knowing if she'll last until May 21 of this year. She is now 89, and we didn't expect her to make it very far into last year.
I had filed a complaint with the DA's office in San Jose, and was working with someone there, who later referred my case to the State Bar Assn. in southern CA. An investigator was assigned to the case, but when he called me and asked about my claim against a certain attorney, I had never heard the attorney's name, so they closed my case. The case was against the company, not their attorney, as I would not have known his name. I don't think this should be closed, as that is not a good enough reason. I plan to call back the investigator and explain this. I can't have $473 going to a fake company when I'm on early SS for a lifelong Social Phobia and don't get much per month.