Debt Legal Services, Inc. ratings, reviews and complaints - Debt Relief Services - non-compliant with FTC Rule

Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Most complainants allege the company fails to perform debt negotiation services, which resulted in lawsuits, wage attachments, accruing late fees, or collections. Some customers complain of the lack of communication regarding their accounts, creditors not being contacted, or failure to disclose that negotiations with creditors do not commence until sufficient funds are accumulated to make settlement offers to creditors. A few customers state they did not receive refunds upon cancelling services.

The company responds to complaints by explaining they work diligently to resolve the matter with customers. The company explained that a portion of the retainer is non-refundable, fees are disclosed prior to entering the program, or they can provide evidence of the services performed. The company issued a full refund in one case, and provided a refund in another case where monies were withdrawn in error after cancelling. In some cases, the company failed to address allegations of failing to provide services as represented.

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Complaint Closing Statistics

0 complaints against Debt Legal Services, Inc. closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

This company's business is providing debt negotiation services.

Primary Contact:	John Thomas (President)
Business Started:	2/26/2000
Social:

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Licensing

California law requires bill paying services, and pro-raters accepting money from clients to be disbursed to creditors on behalf of the debtor, to be licensed by the California Department of Business Oversight and file a $25,000 bond.

To verify licensing, contact the California Department of Business Oversight (DBO) by writing to 1515 K Street, Suite 200 Sacramento, CA 95814-4052, by calling (916) 445-7205, (866) 275-2677 or (866) ASK CORP. Prorater licenses can be verified on-line, by accessing the DBO website at http://www.dbo.ca.gov.

For businesses outside of California, please check with the agency that regulates this industry.

Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

This company offers a three year plan to negotiate and settle debts at 25 to 50% less than what is owed. Promotional literature for this company advises potential customers by enrolling in their program, they can help stop harassing calls from creditors, and help consumers avoid bankruptcy by negotiating with creditors to reduce the debt amount, and defer interest charges, late fees, or other penalties. These types of companies rely on negotiating with the creditors for a lump sum payment, which generally requires the consumer to withhold payments for an extended period of time. Also, fees for these services are generally required to be paid in advance before any debt negotiation services are performed. It is during this time that the creditors will likely take steps to secure payment, such as; telephone calls, derogatory credit reporting, arbitrations or law suits. For the foregoing reasons, we advise caution in dealing with debt negotiation/settlement companies.

Other Considerations

Our files show disconnected phone numbers, returned mail or both. The company appears to be out of business. We cannot trace addresses of companies or principals. General information is available upon request which may assist you.

Industry Resources

Advertising Reviews

Additional Info

DBAs:

Law Offices of Alan B Kaitz

Websites:
There are no additional web sites.

Contacts:

Eric De La Riva

Alan Kaitz (Attorney)

Reputation Report

Debt Legal Services, Inc.

Complaints and Resolutions

Other Information