Frequently Asked Questions
What is Legal Consulting Network?
We are an attorney referral service with counsel in 43 states that have expertise in Consumer Protection Laws such as the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Billing Act (FCBA) and the Fair Credit Reporting Act (FCRA), among others. We can enroll you into our Consumer Protection Plan and start you on your way to gaining control of your finances and credit worthiness.
We help consumers who may be victim to a "breach of contract" or other violations of Consumer Protection Laws by creditors. With our plan, you may be eligible for complete debt dismissal and, in some cases, damages may be awarded.
How does it work?
Unlike debt consolidation, debt settlement or consumer credit counseling programs that will not protect you from lawsuits or harassment from your creditors, you will actually be hiring an attorney to protect and represent you. One of our Debt Analysts will educate you on your options, review your credit report with you, discuss your current finances and figure out what level of debt relief assistance matches your financial situation. Our plan will give you the advantage of having an attorney fighting for your consumer rights.
What type of debt can be included in Legal Consulting Network's plan?
We can enroll unsecured debt. Unsecured debt includes things like signature loans (personal loans with no collateral attached to them), major credit cards such as VISA, MasterCard, Discover, and American Express, retail credit cards such as JCPenney, Kohl's, Macy's, Sears, etc. Unpaid medical bills also qualify as unsecured debt. Finally, charged off accounts such as automobile repossessions and foreclosures with deficiencies might be eligible. We would need to verify the accounts before entering them into the plan.
How much will this cost?
Our consultation and credit report analysis are completely free of charge. The cost of the plan varies from consumer to consumer depending on the amount and type of unsecured debt that is being enrolled.
Traditionally, most attorneys demand their fees in full, upfront and prior to any services being rendered. Our network of attorneys realize the financial hardships that consumers are facing and actually finance 100% of their legal fees at 0% interest. This means that YOU can now have an attorney protecting and fighting for your rights for an affordable monthly payment.
How long will it take to complete the process?
This again varies greatly depending on the amount and type of unsecured debt that is being enrolled. It can be as little as a few months to as much as a few years. It will certainly be much less time than would have taken to pay off your unsecured debt with your current payment plans and interest rates.
Do you guarantee this will work?
You will be retaining the services of an attorney. It is not legal for an attorney to guarantee results. Our attorney group has many years of experience in representing American consumers who's rights have been violated by predatory lending and abusive and illegal practices by debt collectors, creditors and credit reporting agencies. They are ready to stand up for your rights and ensure that the best possible outcome is achieved for your financial situation.
How does this differ from debt consolidation or consumer credit counseling?
Our attorney group is not trying to settle your debts or negotiate them. They use an aggressive litigation approach, one that aims for complete debt dismissal, while legally protecting your credit score throughout the process. Banks are unable to verify up to 90% of the credit card accounts in circulation. They, along with their debt collectors, routinely violate the law enabling an attorney to easily build a case against them.
Will the collection calls stop?
They should stop, however, we count on them to be persistent and violate the Consumer Protection Laws. Your attorney will send dispute letters to your creditors and collection agencies requesting verification of your debt and notifying them that you are legally represented regarding those accounts. From that point forward, they are required to contact only your attorney. As part of your agreement, we will need you to contact your attorney any time one of your creditors contacts you by phone, mail or email.
How will this affect my credit?
Our goal is to have the negative marks placed by your creditors removed from your credit report as part of the litigation by your attorney which will raise your credit score. During this process, we have to advise you that anything you do, other than paying your creditors as agreed could have a negative impact on your credit report. Under the Fair Credit Billing Act, while your account is in dispute, creditors may not report anything negative to the credit reporting agencies. You should know that during the litigation process, your credit score may fluctuate.
How do I get started?
We are ready to help you gain control of your future! Please call us toll free at (855) 266-4610 or contact us via email by filling out our contact form.