Please tell me a little more about your situation and I would be happy to help you.

How long have you been with Legacy Debt Solutions? What is the program that they put you on? Are they charging their fees on the front half of the program?

If you tell me a little more about that I can tell you whether or not you need to get out of their program and do something different.

As far as what the different solution may or may not be, I would need to know much more about your overall financial situation.

The problem with asking a debt settlement sales person for advice on how best to get out of debt, is that they always tend to say “why debt settlement of course” for obvious reasons.

If you would like a private phone consultation so we can go over your entire financial situation and goals moving forward, please use the consultation link at the top of my website and my assistant will set up a time for us to speak.

We can then create a specific plan to best resolve your issues.

But please first give me some information on Legacy and I will tell you if you should bail on that program.

Here is an article I wrote about what they did to another client of mine.

http://damonday.com/1017/legacy-debt-solutions-vs-credit-solutions/

Please read that and let me know if you had a similar experience.
Damon Day recently posted..Legal Helpers Debt Resolution Review – Secret Business Plan Exposed (dofollow)

You have nailed it on the head. Most of these companies charge all or a majority of their fees before actual services are performed.

What most consumers don’t know is that usually more than 50% of the money they are paying is going to the sales outfits that are selling these rip off programs.

So the entire thing is about massive advertising and slamming as many unfortunate consumers into their rip off programs as they can. They don’t have to worry to much about performing a successful service because by the time the consumer figures out that the sales pitch is nothing like reality, the company has long been paid most or all of its fees.

Trying to get a refund from these guys is very difficult, and getting a full refund is almost impossible.

I know of no other word for a front loaded fee debt settlement company other than a “scam.”

They know perfectly well that most of their clients are not going to have a favorable outcome and they collect the fees in advance knowing this. How can it be anything else but a scam straight up.

Luckily regulators have finally caught up to most of these people and new consumer protection laws on the books will help, but they will not eliminate the problem unfortunately, because you cannot regulate moral character.
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