Consumer Law Associates Keep your money!! Frisco Texas

   Ok, so you had one debt that you must have owed a pretty significant amount on for Washington Mutual (typically a less aggressive creditor) or you talked to your creditors and told them what you are doing. If you want to complain about a company please make sure you have all of your facts straight and mostly if you want to deface the reputation of an employee at a company contact their HR, on here anyone can be an "imbecile".   Let me ask: you state the date that you cancelled but you did not state the date you enrolled. So lets start with what you probably did wrong. When these creditors started calling you in the first place did you talk to them? If so what did you say? This is critical, If you said "I'm sorry I can't pay you right now I'm in hardship....(simply explained) I have to go, this is your only contact with me for the day goodbye" then you should have been fine. But, I would be willing to bet and I'm not a gambling woman that you picked up the phone and said "I have hired a company by the name of X and I am making regular payments to them for X amount of $$ on a monthly basis and have been doing so for X time" if you did this you put your own foot in your mouth and might as well have asked the attorney to deliver the summons your self. Whether you are with a company or not and you have money and you are putting it somewhere BESIDES their pocket on a monthly basis they are not satisfied. Not to mention you told them you are PLANNING on giving them A PORTION of what they feel they are really owed. If they want to play games with you and call you and harrass you then you have to do the same back. They do not know your financial situation and unless you share it with them they have no idea where you are financially.  They can only hope they will catch you on a weak day and get you to pay or give/provide info as to where your money is going. Yes, you can go and work with that creditor but please remember what they are: CREDITORS they survive on your business. So it is easy for them to say "ok you owe us 10k in debt we will lower that to only 1% interest rate for 1 whole year"  but with 10k that would be $100 a month going to interest & if you can pay more than that great! So say you can afford $500 a month (that is alot to me) only $400 is going to your actual debt so in 1 yr you will have paid 4800 so then you only owe $5200 more but at the end of that "perfect" year (you have to say perfect because what if you car breaks down, your in an accident, medical problems and you can't pay the full $500) and then the interest rate shoots back up to 19% or more then you are almost back to square one and they have accomplished their goal, to RETAIN you as a customer. Versus that $4800 being saved all year so that CLA can settle the debt (so we are clear this means: consumer pays creditor a portion (=4k) of the total amount owed(10k) in a LUMP SUM or in 'typically' a max of 3 payments, this comes complete w/ letters from the creditors that the debt is consider satisfied) for 40 to 50 cents on the dollar or so. The creditors are not getting paid if you do not have a debt owed to them so the minute you pay that debt off and/or close that account with a $0 balance they are loosing a customer and as we all know, NO one wants to loose a customer. That is how they do it, they are "willing" to work with you because it benefits them in the long run. Debt settlement is for someone who is fed up with creditors and needs to eliminate the unneccessary debt in their lives in a timely and financially sound manner. 

 Jazmine I would also have to ask how much did you owe the creditor and how much did you have saved? If you were only putting $288 a month that is not very significant so I can only assume you did not have significant debt so the question would be how much did you have saved? Also, did you understand how debt settlement works?

 Finally, on the refund. CLA fairly and honestly reviews all clients for a portionable refund. No the 60 to 90 is not contractual because a refund is not guaranteed as a matter of fact it is not warranted. If you get car insurance then 6 months later cancel wanting a refund because they did not provide any services because you weren't in a wreck, does that not sound a little ludacris? Just because a creditor or even a licensed attorney is threatening legal on you does NOT mean the creditor will not still settle, and yes CLA does that if YOU have saved significantly and aggressively over the time frame allotted.