By clicking the “I agree” button below, you authorize Option 1 Legal to contact you via your phone, mobile phone, mobile device (including SMS and MMS) and email (including the use of autodialers, automated text messages and recorded messages), even if your phone number is currently on an exclusion list. Standard telephone and data charges apply. Your acceptance of the above terms is not required as a condition of purchase or receipt of our services. You also consent to the recording and monitoring of all calls to and from us and you acknowledge and agree to the terms of our Privacy Policy and Terms of Use. My first option is always to communicate directly with the company and try to resolve disappointments and dissatisfactions with each service received. In a previous article on Option 1 Legal, I presented a number of facts about the company. I invite you to see more messages here. It was really a big mistake! Option 1 did nothing for us, except that BOA sued me, Option 1 did not show up on any of the hearing dates, and the end result is that my 20% of my weekly salary will be seized. The first option then told me I`d better negotiate with them myself after taking hundreds of fees!! Don`t trust these people Your client agreement appears to give you the option to terminate the agreement, and you should contact Option 1 Legal to determine how much they have already withdrawn from your Global Client Solutions account for the fee.
I don`t know what state you live in, but remember that an attorney can only provide you with legal advice and representation if they are licensed in your state. 1. There are no Option 1 legal RFAs. 2. The first customer was served some time after 22/03/18. 3. The Cabinet website can be found www.option1legal.com 5. The answer for #3 speaks for itself. Interestingly, the menu options at the top of the site do not mention debt settlement.
These are bankruptcy, FDCPA, real estate and consumer litigation. The agreement also includes an agreement for Global Client Solutions as escrow money that debits your account and collects money from you. Please send us your questions or comments using the form below: Please post a comment about what is happening. I hope you have a positive outcome and Option 1 Legal provides exceptional customer support to resolve your issues. I`ve been calling them for two weeks to try to see who`s working on what, and so far it`s service agents claiming that their “bargaining department” is working for me to reach an agreement. What you will find in my guide is that I design a very logical and reasonable process that allows the company to solve your problem before you go nuclear. I asked how much I would have to pay to complete the program. Don`t give your money to these people!! Good references come from people who have just signed up! Don`t be fooledI paid over $7000 and they took care of a very small account. I`ve been with them since 7-2019 They say there`s only $597.in to my bank What happened to the rest of the money? It`s terrifying, I worked with Michael Guia in the first round.
This is total elder abuse. They only help themselves. CJN I was hesitant to write a negative review, but my experience with Option 1 Legal seems to be shared by others. That said, giving a 1-star rating is generous for their lack of transparency and communication, not to mention their complete negligence when negotiating with creditors. The fees I pay and the fact that I was summoned by a creditor because the legal Option 1 negotiator dropped the ball is unacceptable. I could have settled my accounts without these fees, saving hundreds, if not thousands, of dollars. In summary, you are not using Option 1 Legal for debt relief. The seller made everything seem legitimate. I paid them over $6,000 in 15 months. I signed up for a 4-year program to resolve our $32,000 credit card debt. We paid them $534 a month for over three years, and they paid off only a fraction of the credit card debt, all the small accounts. You can do this yourself if you receive offers to pay off your debt at a fraction of the cost, focusing on one card at a time.
It is not a law firm, but they present themselves as such. If you call the # provided to you, you will not reach a lawyer, they are customer service representatives with no customer service skills and no knowledge of your account. Just there to blow you away. When you sign documents and they make a presentation at your home, they repeatedly tell you “It`s your money” and “You have full access.” That`s not true. They don`t touch your accounts for the first 2.5-3 years. Right now, you have litigation, garnishments, and additional late fees. I quit and still have a $22,000 debt after paying them over $22,000. They collected $9,000 in fees.
I am informing the Bar Association, the Attorney General, etc. to shut down this fraudulent business. CAUTION!! I received a request for the amount agreed upon at the beginning of the program minus $400. Since there is a statement from someone who visited the consumer, it seems that they refer to the service as a debt settlement lawyer model where they may charge an upfront fee. Based on the above information, BBB cannot say with certainty that we have a clear understanding of the business model and practices. “– Source You pointed out that it appears that the company charges an upfront fee. It could be you. One of the loopholes or exceptions to taking client payments as fees before paying off debts is the gap between lawyers under the telemarketing sales rule.
To check the status of this licensee, visit Search for Financial Services and Mortgage Licensees. How can I negotiate with creditors? Can I get my money back to pay creditors? To this day, I still have nothing, except that they are trying to find a solution with my biggest creditor (Bank of America) because they say they are the most aggressive when I think it is a delaying tactic to keep me in the program longer. Is there a way to cancel this contract and if so, how? Communicate with and report on the CFPB. Everyone who is registered also needs I understand why you hired Option 1 Legal to represent you when the messages you were told were what you wanted or expected. At the bottom of their website, it says “Option 1 Legal is a law firm.” It also states: “Each of the lawyers on this site are either managers, members, partners, limited partners or human resources lawyers.” The website states that the company is located at 10440 Little Patuxent Parkway, Suite 300, Columbia, Maryland 21044. This appears to be a virtual desktop address. – Source Ask Legal 1 Legal who is the licensed attorney in your state who represents you, and feel free to discuss your customer service issues with them to see if they can help you resolve issues. As part of my typical research on an article, I took a quick look and found that there was an active court case regarding Option 1 Legal aka Gardner Legal. Hi Paul, thank you for taking the time to give us your feedback, we are sorry to hear about your negative experiences and we will continue to grow and improve as a company. If you compare that to the income and expenses listed in the Chapter 13 bankruptcy filing, they are not close.
The company declined to answer the remaining questions. Absolute fraud, I was enrolled in a 4-year program with them and after 3.5 years, only 10% of my registered debts had been paid, even though I had paid the thousands of dollars, when I asked why so little of the debt had been reduced, I was told after collecting all our program fees, Then we pay for the debt on it, so frustrating, because if I had paid all the money for the debt, I would have been debt-free much sooner. The only advice I can give is to run away from them quickly. DON`T FALL INTO THE TRAP OF YOUR SCAM OPERATION I`d love to have Option 1 Legal post an update comment on your situation or this other post to show everyone how much they appreciate their clients and can provide exceptional customer service. The respondent did not negotiate the plaintiffs` debts and instead used the funds for the plaintiff`s advance fees, management fees, and monthly service fees, as shown in Exhibit 2. They promised to solve any problems that would arise. I am a full-time caregiver and I work many hours without pay for a family member. On 13.04.2020, the company answered questions 1, 2, 3 and 5 as follows: This case was raised during insolvency proceedings in the Tennesee. When I looked more closely, the court documents had an agreement with the client. I do not know if the one you signed was similar. I asked where the $6233 was going.
Yes, I know they charged a fee, but according to my payment plan, the total bill should have deducted the $6233. Is there a better way to try to get my money back? Is it a loss at this point and would it be better to report the company to the FTC, my attorney general, and the BBB? What do you think is the best course of action? Business Alert: In June 2019, consumers began filing complaints alleging misunderstandings about the company`s business model (debt relief versus debt consolidation versus debt settlement). On 18.03.2020, BBB sent an email to the company with the following questions to better understand the business model. According to a letter providing proof of bankruptcy and demanding repayment of the plaintiff`s money, the defendant used all of his fees except $500.69 and reimbursed him the $500.69 attached as Exhibit 3. On or about May 11, 2019, the plaintiff entered into a contract with the defendant. This agreement required the plaintiff to make monthly payments to the defendant, who would use the money to “negotiate” settlements with the plaintiff`s creditors.