How much. I don't understand what happens if one of our creditors refuse the program. Heartland Legal Group - Scam, Complaint, Review, Or Praise? 19 complaints closed in the last 12 months. I entered into agreement with them to help decrease my stress with finances and all they have done is continue to stress me out always wanting more money drafted out of my account, they have gotten so much more money from me that I would've been better off making negotiations on my own!!! By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Wherever your business operates around the world, CSC is there to help. Hello M, We thank you for taking the time to provide us a feedback and we are truly sorry to hear about this poor experience. Hello Jeffery, we would like to have one of our escalated team members reach out to you and further discuss your review. I started paying heartland in June of 2020 for my debt consolidation monthly payments 538.39 and I stopped in March of 2021 as none of my payments were being used for debt. It has been going well so far, I will update this post as things progress and negotiations with creditors continue. Have been paying them $549.60 since June 2020. I would contact heartland customer support as I was told to send all collections info to them and when I was contacted by a creditor I was also told to set up a google phone number and refer my debt collectors to contact that number??? Cash Made. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. What Do I Need To Know Before Joining The Debt Management Program? I paid $495 per month (a total of $6,930 over the course of just over a year), and I am seeking a refund of the retainer fee that I paid into the program, as the lawyer was assigned too late to my case, verbally attacked me. They have thoroughly discussed and fully understand my problem. According to the Heartland Legal Group website, they are "a law firm." The website states the company is located at 41000 Woodward Avenue, Ste. I hope this whole affair goes as well as it has thus far! Credit counselors encourage you to put all your credit card accounts into the program. You need to figure out how you will be managing your money, and you need to figure this out before you pull the trigger on canceling your debt management plan. I called the company and they said oh well this lawyer was working for you but shes gone and she didnt work with them EXCUSE ME?! My elderly mother set up with Heartland Legal Group to consolidate and pay her bills, she has been paying them monthly and is receiving notices from her credit card companies that they are filing collections and threatening to sue. During the Pandemic, I was out of work with the covid, My hours at work was also been cut, hence, I consolidated my bills with heartland legal group on 06/25/20. to get this process started, gave a list of all creditors owed. How many stars would you give Heartland Legal Group? Interestingly enough, the website of Sequara Henry does not appear to mention settlement. I'm grateful for their program and am excited to receive their assistance during a challenging time. Hello Cheryl,We want to thank you for taking the time to provide your feedback, we are sorry to hear of a negative experience but your feedback will be used to help continuously improve. Zero contact from company I sent in a offer I wanted them to accept and they failed to do so or even call to inform me why. Help they do and have. All I am asking is for my debt to be settled. Please anyone looking into them to help debt consolidation do not use them!!! How Do I Get Out of Debt Quickly? Heartland Legal Group Business Management Ms. Sequara Henry, Owner Contact Information Principal Ms. Sequara Henry, Owner Additional Contact Information Phone Numbers (313) 600-9622 Other. Thank you. I have followed all requirements as instructed. I have no idea what is going on with the negotiations on my accounts. What does it take to become one of the nations premier legal firms? Hello Danielle, we are sorry to hear about this poor experience. After 10 months I payed in most 5k and only had 1k in my settlement account. On September 24, I called and restated I want to cancel the service. At that time I was informed they were charging me 236.00 a month and calling it a service fee. Terrible experience. This has been the most unprofessional and pathetic company that I have ever had to deal with. I too am having issues with Heartland. Here are some potential questions you might be able to provide feedback about. While weve definitely put our experience in law school, courtroom negotiations, mediation sessions and trials to good use, these arent the only factors in our overwhelming success. Is the Settlement Program Through Heartland Legal Group a Scam? (888) 332-8066. Wilmington, DE USA 19808 Customer Reviews are not used in the calculation of BBB Rating. 41000 Woodward Avenue, Ste. I pay all this money a month to find out my debts arent paid. They help people file for relief under the U.S. Bankruptcy Code. We are a law firm in Florida. Just horrible. We would like to have one of our escalated team members review your account and reach out to you. We will be in contact soon. +81 3 6721 8346, Rm. On July 26, 2021, BBB contacted the company seeking their voluntary cooperation in eliminating a pattern of complaints alleging contract and customer service issues. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. You may consider cancellation if your financial circumstances change dramatically. Heartland Legal Group, Bloomfield Hills, Michigan. The salesman sell one thing and then they do another and no one returns calls, despite being escalated several times. Would you be willing to share your email address, phone number or Client ID associated with your account? 251 Little Falls Drive. Ireland When I was originally contacted I was promised my accounts would be settled in 7-9 months at least the smaller one. United Kingdom I know I made a bad mistake but can anything be done? Would you be able to provide your last name, email address or phone number associated with your account? Here are some things to consider before canceling your DMP: If youre struggling to keep up with payments, ask your counselor if he or she can lower fees or waive them altogether. It goes against our guidelines to offer incentives for reviews. We are a debt relief agency. Discuss and ask questions about personal finances, budgeting, income, retirement plans, insurance, investing, and frugality. As for removing a credit card when you are already in a debt management program, that too can be done, but again, there will be consequences. Melbourne, VIC 3000 I recently received a letter of a default judgement from one of my creditors Citi Bank on October 18, 2021. All because I owe more now to the creditors when I started the program in 2019. +44 2 070 015 9200, 1 Cour du Havre Can I Send a Cease and Desist Letter to a Debt Collector? They have done very little, they have settled approximately $1000 in debt but have taken all but . Then change the consolidated loan amount, term or rate to create a loan that will work within your budget. Heartland Financial USA in Dubuque, Iowa, said it would consolidate its 11 bank charters into one in a bid for administrative efficiency. Cookie Notice Noone will ever call you or communicate anything to you until you are screw. It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. International Association of Better Business Bureaus. Will A Debt Management Program Ruin My Credit Score? Is it possible to recover the money given to them? Since the purpose of a debt management plan is to eliminate a consumers debt and teach the consumer the benefits of on-time payments it will only work if youre making consistent monthly payments. Voice your opinion today and hear what 263 customers have already said. Today is Mar 25th and even after calling every week, asking for supervisors, being told the negotiator Chris is working on itNONE of my debts have been paid in full! customer service is really bad one rep tells u one thing another tells you another. Attorneys and/or law firms promoted through this website are also federally designated Debt Relief Agencies. Hello Steven, my nephew apparently has been a victim of scam by this Heartland Legal Group. Any questions I have had were promptly answered by the most helpful staff. This company is holding on to my money, and will not settled with the creditor. So, so grateful to have her and the rest of this team on my side! B5A 1N1 Headquarters Address: 2, ROUTE D'ARLON: I have never had a experience like this before so it's been quite difficult, I am having a hard time dealing with the collection calls, since we have never been late on a payment. I called again on October 26, 2021 - the rep stated the account was open and she will place an escalation order was made to close the account and issue my refund. Its a scam! They were taking $496/mo out of my account with the plan to do it for 3 years. Well guide you through the process. Bianka was very kind and helpful during my last check in. Track the source of the debt by reaching out to your creditor to see if it has any information about the debt in question. All Rights Reserved. I contacted them today (8/18/2021) to cancel this program because they were not getting me any results. Head of Sales & Relationships Management, Asia-Pacific, Head of New Product Development & Product Manager of Management Company, Head of Debt Capital Markets, North America, Group Product Head of Depositary Services, Head of Sales & Relationship Management, Europe & Group Head of Sales Operations, Regional Director Europe and Executive Client Director, Multi-Assets, Luxembourg, Co-Head of Relationship Management Europe, Global Product Lead, Company Secretarial Services, Group Product Head of Fund and Corporate Services, Head of Debt Capital Markets, Asia Pacific, Regional Director Asia Pacific & Country Head, Singapore & Mauritius, Mauritius, Maybe youve been promoted and can afford to repay your debts in full, or maybe you cant afford the DMP fee. +1 902 746 5201, 5 Churchill Place, Part 10th Floor, Canary Wharf Hired Heartland Legal group to consolidate my bills. They took alot of money from me in services and fees which no one could give me an actual explanation of what the fees are for. If you want to have the worst experience in your life choose this company. Hong Kong SAR I signed up for a debt settlement plan through Heartland Legal Group 4 months ago. I also have been scammed by Heartland Legal Group they got me for $14,000 and then some. You will regret it if you do. As a matter of policy, BBB does not endorse any product, service or business. How many stars would you give Heartland Legal Group? Interests rates on credit cards jump back to previous levels, Late fees that were waived may be reinstated, Credit card payments are no longer consolidated into one payment, You must make individual payments to each account, Creditors and collection agencies may start calling you again. However, my negotiator Chris has been a nightmare! How to Get Your Money Back From a Debt Relief Company if You Feel Like Youve Been Scammed, What Repaying Your Debt Will Cost You in Retirement Calculator, The Truth About The Success Rates, Failure Rates, and Completion Rates of Credit Counseling, Debt Settlement, Bankruptcy, and Debt Consolidation Loans. Id Like Some Advice About Getting Into a Debt Management Plan, How to Get Out of Debt Without Getting Scammed and What to Do if You Have Been, The Beach Misses You: A Financial Fable For Happiness And Internal Peace, Get Out of Debt Guy Podcast - Reader Questions - AMEX Arrrgh, Getting Out of Debt and Making Lots of Extra Money is Easy When You Do This One FREE Thing, Is Your Debt Relief Company a Scam and How to Make an Extra $800 a Month to Make Ends Meet. Hello Dan, Thank you for taking the time to provide us with feedback. By an Act of Congress and the President of the United States, Heartland Legal Group, is a federally designated Debt Relief Agency. I am being told by the bank that debt consolidation are incurring interest on our bills we put in them and wont do anything for like 7 months and we're racking up interest and going to get screwed. Hired Heartland Legal group to consolidate my bills. Money Personality Quiz and Test. We are investigating their business practices. Yarmouth, NS, Is there any other information youd like people to know that might be considering the services of this company. Your experience matters. Contact us now and learn more about your options for negotiating and settling debts. Please do not use this company. Companies can ask for reviews via automatic invitations. My example had a total debt of 20,960.00 dollars, they promised me that I would only pay 15,735.6 making payments of 437.10 X 36 months, that I would obtain savings of 5,682.30 dollars, now that you have no choice because they are already forcing you to continue in the program paying because otherwise you have to make the payments on your own and they have already taken the amount of money they want, they solve it very easily by saying "we are sorry sir but it was an estimate", they ended up paying more than with the debt that you had, in my case, paying 21,692.90 or 732.90 above the original debt. New comments cannot be posted and votes cannot be cast. They charge you about 25% of what you owe. Debt consolidate I am being told by the bank that debt consolidation are incurring interest on our bills we put in them and wont do anything for like 7 months and we're racking up interest and going to get screwed. It was nice to have a fewlaughs with her especially during thesetrying times. 350, Bloomfield Hills, MI 48304. Negotiate on your own will be less stressful and not as expensive for you!!! I have been number one on hold for 30 minutes. Canada BiankaWilkins was very pleasant and lighthearted to speak with. People who write reviews have ownership to edit or delete them at any time, and theyll be displayed as long as an account is active. It seemed legit, given that a notary came to my home and everything, but Im not sure. Do not use this company. 255 people have already reviewed Heartland Legal Group. I've found their customer service team more than kind, and always patient with any questions that may come to mind. Facsimile: +1 302 636 5454. Hello Nicole, we are sorry to hear about this poor experience. Thank you. Working as a Contractor in the Finance Department performing the roles of an Accounting Manager and later as Head of Financial Reporting focusing on different accounting projects and implementations of controls. Hello -Thank you for submitting your feedback to our recent survey.We appreciate your insight as a valuable client, and we will use this information to improve our processesas well as our future client experiences.Warm Regards,The Client Experience Team. They did absolutely NOTHING for me. London E14 5HU How to Get Out of Debt. Where is the Henry Legal Group staff physically located? I had a serious question and spoke with Parris W. by phone todayand she was beyond helpful. 123 Hoi Bun Road, Kwun Tong, Kowloon Heartland Legal Group is a predatory company that missed led us to think they where going to resolve our credit card debt, but instead where predatory and missed leading, and keeping us in the dark. Thanks Chelsea!! We appreciate your business and are committed to providing transparent and honest services to all our clients. +31 343 430303, Digital Brand Services What Kinds of Debts Can a Debt Management Plan Help With? This calculator is designed to help determine whether debt consolidation is right for you. Please keep me posted here on how it goes. He started writing for InCharge Debt Solutions in 2016. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. I never missed a payment in my life until I joined this company. Some plans will drop you after missing a single payment, while others may be generous enough to allow up to three missed payments. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. So when the pay off comes, they will pay off what's owed minus the interest that were incurring right now. Would you be willing to share you phone number, email address or Client ID associated with your account? Hello -Thank you for being a valuable client. Sweden they have collected $339.51 monthly . As of March 8, 2022, the business has not provided a response to the pattern of complaint or clarifying questions about its business. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. They set you up on a payment plan and claim they will resolve your debt at %50. Heartland Legal Group in some states (hereinafter referred to as "Heartland Legal Group", "We", or "Our"), a debt relief agency helping people file for bankruptcy under the bankruptcy code, has the right, in our sole discretion, to modify, add or remove any terms or conditions of this Agreement without giving individual notice to . Enter your credit cards, auto loans and other installment loan balances by clicking on the Enter Data button for each category. Heartland Legal Group has been a real life-saver for me and taken great weight off my shoulders. Save my name, email, and website in this browser for the next time I comment. Contact Info. Headquartered in Wilmington, Delaware, USA, CSC has offices throughout the United States, Canada, Europe, and the Asia-Pacific region. We are sorry to hear of your negative experience but our goal is to help all our clients find financial freedom. They have done very little, they have settled approximately $1000 in debt but have taken all but approximately $700. Can you tell me more about your investigation and your service? Each of these programs has positive and negative aspects, particularly regarding the impact on your credit score. How Do I Get Out of Debt Quickly? What were the fees charged for the services you received? :o) Heart Imoji! We are thrilled to know your experience with us has been a good one.It's our goal to provide a positive and memorable experience - one in which you feel informed, comfortable and confident about how your program will be going!Warm Regards,The Client Experience Team. I called heartland AND emailed a copy of the letter I received. Heartland Legal Group Scam, Complaint, Review, Or Praise? Thanks to everyone at Heartland Legal. The resident agent for the company is Sequara Henry. I now have to go through Chapter 7 Bankruptcy. Change Your Mindset. Heartland explicitly stated they would present any settlement offer. If I could give a zero I would!!! I have been paying $500.47 per month since then. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. If you are one of the millions of Americans facing consumer litigation for unpaid debt, Greenstone Legal group can help protect your rights and defend your case. To do so, call customer support and make the request. #11-03/04, Bugis Junction Towers A debt management plan is built around those concessions. External audits process lead for different subsidiaries in the Group. Every penny I gave them was used to pay for legal fees. I was told to stop paying on my credit cards because they won't accept any settlement offers unless I do so, so I did. They gave the promise "it would be taken care of." Thank you.Sincerely,Heartland Legal Group. BBB is here to help. How Much Debt Do I Need For The Debt Management Program? You will not be able to use the card until the debt has been settled, and its likely the card company will increase the interest rate you pay on the card.
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