Consumer Law Associates LLC RIP OFF Frisco, Texas

CLA takes out their fees first. which may not be the best arrangement if you have creditors banging down your door.   But they aren't a fraudulent company; if you do your part (fax in all letters from creditors in a timely manner, put in every last available free cent you have every month towards your account, paying off the fees in a timely manner) then they do the service you contract them for and for a lower percentage than most of these companies that offer similar services do.

Plus, if you have any account that goes into a legal status, they will provide hours upon hours of consultations with an attorney, legal documents, and legal advice. 

The trick with all of these debt settlement companies, and something that they don't tell you upfront is that if you don't have the money to put into the savings account above and beyond what the monthly fee is, they aren't going to be able to do anything for you.  To make the debt settlement work, you have to be able to give them money to make offers.  Also, creditors sell debt all the time, so if you don't send them every single letter you receive from creditors, it is possible that they could make a settlement agreement with someone who has already sold off your debt.

Be smart.   If you don't have the money to make cash offers on your debt, file for bankruptcy.  But don't accuse these companies of fraud; they do what they're supposed to do, especially this one, but they charge a fee that you agree to in the contract, and they work with whatever money is left AFTER they take their fee.  Keep that in mind before you enter an agreement with them, and make sure you are doing what is in your financial best interest, and understand the debt settlement gamble is just that -- a gamble. And you need money to gamble!