https://getoutofdebt.org//20126/how-to-try-to-get-refund-from-debt-relief-company. Voice your opinion today and hear what 44 customers have already said. >> /Parent 4 0 R BTW, I was able to get $14k refunded by following the steps detailed on your blog, so thank you for that blog post! The City of Chicago filed a lawsuit against Strategic Financial Solutions, Burnette Legal Group, Timothy Burnette, and Monarch Legal Group on July 26, 2022. /Contents [266 0 R 267 0 R 268 0 R] /Type /Page View customer complaints of Monarch Legal Group, BBB helps resolve disputes with the services or products a business provides. - 1:22-cv-03705 But the Citys investigation indicates that Strategics customer service team does not make attorneys available for client calls. Second, the policy relieves Defendants from refund obligations for any debts that become[] subject to a lawsuit during representation. Many creditors sue Monarch consumers to recover money owed. /Annots [] /Contents [254 0 R 255 0 R 256 0 R] 33 0 obj BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. This website is an advertisement. Through its third party representatives and in its welcome materials, Defendants tell consumers how to contact the Litigation Department. On information and belief, that department doesnt exist. /Rotate 0 The testimonials selected may include testimonials made by individual customers on the third-party sites. /Contents [194 0 R 195 0 R 196 0 R] BBB Business Profiles are provided solely to assist you in exercising your own best judgment. endobj /Rotate 0 The Office of State Inspector General is located at 602 North Fifth Street, Sixth Floor, Baton /MediaBox [0 0 612 792] Defendants have a surprising range of exclusively 5-star and 1-star reviews, with no scores in the middle of the range. In examples the City has seen, Defendants collected the entire Service Cost less than halfway into consumers payment schedules. >> To get away with Defendants scam, Monarch structured itself as a law firm in an attempt to evade responsibility under consumer-protection laws and to leave consumers without meaningful redress. Monarch also requires that the clients account payments be current. Monarchs Client Retainer Agreement states that [t]he law firm puts in place a customized strategy based on the individual client and their debts[. /Type /Page /CropBox [0 0 612 792] However, due to a temporary disability I was in and a hardship I was facing, I called and applied to the loan. In the examples that the City has seen, and on information and belief in other instances too, Monarch lawyers do not perform debt settlement work. I asked several times to make sure I understood correctly the proposal of the program- the calls were recorded, they said yes, in 24 moths you will be out of debt and your credit score would not get affected. 48 0 obj 21 0 obj /Type /Page I contracted with Monarch Legal on Feb., 2020 because I was unable to pay all of my credit card debts from a serious drop in my /Kids [15 0 R 16 0 R 17 0 R 18 0 R 19 0 R 20 0 R 21 0 R 22 0 R 23 0 R 24 0 R] >> /Parent 12 0 R << 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. On all seven occasions concerning settlements for three separate consumers, Ricky Fakhouri approved a settlement and wrote the same vague phrase: Approved: Reviewed original amt, current amt, settlement amt. endobj 5 0 obj endobj WebLegal services are only offered once a Monarch Legal Group attorney has had an opportunity to review the specific facts of a case specifically indicates a willingness to take on the representation. /Resources 125 0 R 11 0 obj /Contents [82 0 R 83 0 R 84 0 R] Each of the lawyers on this site are either Managers, Members, Partners, Limited Partners or staff attorneys. /Title (Briggs v. Strategic Financial Solutions, LLC et al. I see that with the Debt Validation companies. /CropBox [0 0 612 792] endobj /Annots [] /Contents [71 0 R 72 0 R 73 0 R 74 0 R 75 0 R 76 0 R 77 0 R 78 0 R 79 0 R 80 0 R] << Several days later, user r-fakhouri, likely Ricky Fakhouri, an outside attorney who has contracted with Monarch on a case-by-case basis, approved the plan. /Rotate 0 Anyone considering a lawyer should independently investigate the lawyers credentials and ability and should not rely upon advertisements or self-proclaimed expertise. /Resources 121 0 R BBB Business Profiles generally cover a three-year reporting period. 4 0 obj Write reviews, ask and respond to questions, The refund policy appears to exclude most aggrieved consumers. The testimonials provided are selected from independent third-party sites. Reg. This kind of attitude destroys the debt relief space for good people that want to do good things. << Copyright 2020 Business Consumer Alliance All Rights Reserved. 32 0 obj The city`s investigation did not reveal any /Contents [210 0 R 211 0 R 212 0 R] >> Reviews from current and former Strategic employees on the career website Glassdoor express similar concerns about the companys business model: Even when Defendants do engage with creditors, non-attorney employees perform the negotiations. /Parent 12 0 R Copyright 2022 Monarch Legal Group Reviews. /MediaBox [0 0 612 792] Indeed, Defendants might prefer for consumers to withdraw from the program after one year. /MediaBox [0 0 612 792] /Parent 9 0 R The Cohn Law RESPONSE: Complaint was not answered This assumption is unrealistic. endobj On information and belief, Monarch and Strategic Financial Solutions primarily or even exclusively steer clients to the debt resolution program for two reasons. Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Although one section of Monarchs nearly 40-page agreement states that third parties may perform some work related to the program, it later explains that Monarch has a non-exclusive reciprocal referral agreement with independent contractors to provide what it calls non-legal services related to the implementation, management, and maintenance of Clients debt negotiation plan. Monarchs agreement and other promotional materials misrepresent the truth: non-lawyers at Strategic do not merely provide some administrative services, they carry out Monarchs debt resolution service. The Bureau revoked Monarchs accreditation less than a year after publishing an alert about Monarchs business practices and its failure to respond to a request for investigation: Timothy Burnette holds himself out as the owner of Monarch Legal. When, as is often the case, Defendants fail to refer the case to an outside lawyer, Defendants have refused to provide any representation. Another consumer wrote: I requested a refund because no work had been done. endobj >> stream /Count 10 /Resources 277 0 R endobj View complaints, reviews and check out how << >> Second, Monarch attorneys apparently do not provide legal services or representation in bankruptcy cases. /Resources 197 0 R /Rotate 0 >> /CropBox [0 0 612 792] The Honest and Unvarnished Truth. endobj Company resolves 0% of complaints brought to its attention from Business Consumer Alliance. A consumer that reviewed Monarch on the Better Business Bureaus website noted that he was unable to discuss bankruptcy with a Monarch attorney, contrary to statements in Monarchs agreement and on its website that Monarch provides bankruptcy representation. Consumer complaints to the Better Business Bureau show that many consumers do not understand the very limited circumstances in which Monarch will refund fees: a. endobj A reasonable consumer likely would decline to contract with Monarch had she known that debt negotiation and customer service would be outsourced to another company in another state that is staffed by non-lawyers. The City therefore alleges that at least insofar as the practices at issue here are concerned, neither Defendants nor their employees engage in the practice of law. We agreed to make payments for representation and assistance. To reduce its fee and finish the last two settlements! /Contents [102 0 R 103 0 R 104 0 R] I was current with all my creditors and had a respectable credit score. /Annots [] /Annots [] Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read More Business Details and See Alerts, International Association of Better Business Bureaus. Defendants tell consumers that they will not begin settling debts until consumers have made at least seven to nine months of payments. /Annots [] /Type /Page /Contents [182 0 R 183 0 R 184 0 R] /CropBox [0 0 612 792] endobj None of the many publicly accessible consumer complaints filed against Monarch mention bankruptcy proceedings, even though one consumer inquired about it. If a Strategic employee communicates with the consumer at all before a hearing date, the employee will instruct him or her to go to court alone. /Contents [110 0 R 111 0 R 112 0 R] /CropBox [0 0 612 792] Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. Moreover, the outside attorneys that Monarch contracts with repeatedly fail to appear in court and rubberstamp negotiated settlements even when a consumer could not possibly comply with the terms. WebNew Reviews Monarch Legal Group Reviews New Reviews 0.0 0 0 out of 5 stars (based on 0 reviews) Excellent 0% Very good 0% Average 0% Poor 0% Terrible 0% Latest Reviews: There are no reviews yet. If consumers withdraw after one year, Defendants collect substantial sums without performing work. WebFiling a Complaint Complaint Form Please enter the information requested below, and then click Submit. As a matter of policy, BBB does not endorse any product, service or business. Monarch claims on its website that through its debt resolution program, it can often negotiate with creditors to settle for pennies on the dollar. Monarch also tells consumers they will be on [their] way to a future free of burdensome debt:. /MediaBox [0 0 612 792] endobj /Type /Pages /Resources 193 0 R /Parent 9 0 R /CropBox [0 0 612 792] 37 0 obj Second, Defendants predict that they will negotiate settlement agreements at around 40% of the debt consumers owe when they enter the payment plan. By including these testimonials, Monarch Legal Group does not represent that every consumer will experience the same outcome by employing our services, nor do we intend to represent that these testimonials represent all customers experiences. Update 2 On The Make Money With a Side Hustle Project. Acknowledging the harm that debt resolution programs create for consumers with debt and credit issues, governments have increased regulation in this area. /Rotate 0 13 0 obj << BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. /Contents [118 0 R 119 0 R 120 0 R] /Kids [55 0 R 56 0 R 57 0 R 58 0 R 59 0 R 60 0 R 61 0 R 62 0 R 63 0 R 64 0 R] Despite paying a monthly retainer fee for a lawyer, the consumer responded to the summons and defended himself in court. Monarch refers to itself as a debt relief agency and law firm on its website, www.monarchlegalgroup.com. For example, one person complained to the City that a customer service representative hung up on him when he called to ask why his wages were being garnished. As a result, my financial situation is worse than when I enrolled in their program three years ago. /MediaBox [0 0 612 792] Customer Reviews are not used in the calculation of BBB Rating, Need to file a complaint? WebThe Cohn Law Firm in Baton Rouge has more than 50 years of combined legal experience in bankruptcy, business law and business formation. In some instances, Defendants require consumers to sign an agreement with Global Client Solutions to manage consumer payments and deposits. This business is in an industry that may require professional licensing, bonding or registration. /Contents [122 0 R 123 0 R 124 0 R] When Defendants do negotiate a settlement payment plan, those payments typically last for many months, and for each payment Defendants charge the consumer an extra $10 (Settlement Payment Fees). /Type /Page /Contents [138 0 R 139 0 R 140 0 R] /Rotate 0 WebMonarch Legal Group Profile and History . The >> /Contents [214 0 R 215 0 R 216 0 R] Side Hustle Review - Is It Too Late To Make Money With A Helium Miner? 56 0 obj In one example, a consumer owed $910 on a debt at the time the consumer signed a contract with Defendants. >> /CropBox [0 0 612 792] /Resources 149 0 R /Rotate 0 20 0 obj They answer my questions promptly and accurately. 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. See 815 ILCS 505/2JJJ. /Rotate 0 /Annots [] Don't have an account? /Type /Pages /Type /Page By the time Defendants began negotiating down the debt, the $910 debt had risen to $1,827.01. >> 41 0 obj I was reassured that in 24 moths I would be able to get out of debt and conserve if not improve my credit score. << We are scared and desperate at this point, See if this sounds like a reasonable and logical approach. /Rotate 0 The following is My Monarch legal group/reliant account # 25270. 30 0 obj << endobj << Strategic provided similar services, albeit operating under a different structure, to the now-shuttered Carolina Legal Services firm, as described in paragraph 12 above. endobj /CropBox [0 0 612 792] For businesses Categories Blog. /Contents [218 0 R 219 0 R 220 0 R] Voice your opinion today and hear what 47 customers have already said. Anne that is so good to hear about the refund. Debt Settlement Industry - Sued in RICO Complaint, Click to email a link to a friend (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on Twitter (Opens in new window), Click to share on LinkedIn (Opens in new window), Click to share on Tumblr (Opens in new window), Click to share on Pinterest (Opens in new window), Defendants Debt Resolution Program and Oppressive Fee Structure, Defendants Debt Resolution Program is Designed to Mislead and Exploit Consumers, Defendants Create Payment Plans without Regard for Consumers Financial Status, Leading Consumers to Fail in Defendants Program, Monarch Lures Consumers into Defendants Debt Resolution Program with a Deceptive Refund Policy. 225 ILCS 429/125(c). /CropBox [0 0 612 792] Significantly, consumers pay legal fees even if Monarch refuses to provide those services. Complaint Resolution Index (CRI) Explained. Third, Defendants fail to factor in interest rates and estimated late fees into their payment schedule. /CropBox [0 0 612 792] >> Everyone has been extremely nice, helpful, explaining everything thank you. endobj On information and belief and as described more fully below, Strategic and Monarch jointly operate the debt settlement program. ] As described in Section VI below, Monarch repeatedly fails to provide those services. Hi Miss Anne, Hopefully I have the courage to do what you did to get my refund also. /CropBox [0 0 612 792] endobj get quotes and more. In November 2020, BBB investigated Monarch Legal Groups /Rotate 0 >> These firms push consumers to enroll in programs with significant advance fees. 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. - 1:22-cv-03705. /Parent 8 0 R >> << /Kids [65 0 R] For example, after 10 months in a program, only 4% of one consumers payments went to settlements. Consumer complaints on the Better Business Bureaus website recount similar experiences: Consumers may be unable to access the typical methods for reporting attorney misconduct. /MediaBox [0 0 612 792] >> Contact Us Monarch Legal Group. Defendants charge a percentage of the consumers total debt as a Service Cost to the non-legal servicesrelated [to the] debt resolution plan. In examples the City has seen, that cost has been as high as 19%. << In a review on the professional website Glassdoor, one former employee explained that if you say the real company name [Strategic] most people are confused as to why your [sic] are calling them. Another former employee implored Strategic to [b]e honest about what you are doing. The agreement included small monthly payments of $15 to $30 (to be allocated from the consumers monthly payments to Defendants), but each payment accrued a Settlement Payment Fee of $10. Monarchs website says that the company can assist people in debt by helping them file for bankruptcy or through its debt resolution program. << Webaction complaint against Defendants Strategic Financial Solutions, LLC (SFS), its subsidiary LLC d/b/a Monarch Legal Group (Monarch), receive a percentage of monthly charges paid by the client to SFSs billing processor (generally between 3% and 10%), with the lions share going to SFS. /Type /Page In practice, the refund policy serves only as an advertising tool used to induce consumers into trusting Monarch even though most consumers will not be eligible to get a refund. Because so much of each payment goes to Defendants fees (particularly at the beginning of the agreement), consumers with multiple accounts to settle continue accruing significant interest and late charges for months, if not years. /CropBox [0 0 612 792] 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. /MediaBox [0 0 612 792] /Parent 9 0 R Customer service is quick, efficient and professional. >> For businesses Categories Blog. << Meanwhile Defendants collect thousands of dollars, money that consumers could have used to pay down their debts but for Defendants unrealistic promises and reassurances. /Resources 153 0 R Anyone Know for Sure About World Law and Global Client Solutions? << /Rotate 0 /CropBox [0 0 612 792] /Resources 253 0 R /Rotate 0 24 0 obj The Citys investigation indicates that Defendants do not act in consumers best interest when creating a customized payment program. We only had 1 year left on our contract and they canceled. /Contents [278 0 R 279 0 R 280 0 R] /Annots [] Fees for changing banking information, payment plans, and adding new debts to the program vary from $19.95 to $299. CRI measures the company's customer satisfaction abilities through BCAs complaint mediation process. /MediaBox [0 0 612 792] /MediaBox [0 0 612 792] /MediaBox [0 0 612 792] Defendants dramatically misstate the consumers estimated savings and program length. I followed the steps that Steve outlined in the blog post he linked below and I was able to get a refund of $14,000 from Monarch. << Defendants deceive vulnerable consumers in the process. /Type /Page 49 0 obj /Annots [] /Parent 10 0 R I had been paying all of my credit cards both person and business. Attorneys rote notes demonstrate that they did not meaningfully interact with clients. << Monarch tells prospective consumers that its client services team (which, in reality, consists of Strategic employees located in another state) will assist [customers] in arranging to speak with an attorney to provide legal advice or respond to legal questions. Defendants promise that through negotiating with creditors, consumers will be able to settle their debts for less than the amount owed. The information on this website is not legal advice, and does not take the place of consulting with a lawyer. /Annots [] Thank you for the feedback. The following example from a Chicago consumer illustrates Defendants failure to provide legal advice related to a settlement. If you need legal advice, call our expert solicitors or fill in our enquiry form and we will get back to you as soon as possible. Consumers have no recourse if the program is taking more time than promised or, after relying on Defendants misleading estimates, consumers find themselves unable to make their payments. /Parent 9 0 R /Type /Pages >> On information and belief, Defendants deliberately obscure the fee structure in these estimates to induce consumers to contract with them. /Resources 89 0 R Settlement is within acceptable firm parameters. endobj /MediaBox [0 0 612 792] << One consumer told the City that after making regular payments, he received a summons from a creditor and promptly contacted Monarch. 44 0 obj << Angelo, Im seeing a disturbing trend where companies are waiting for clients to get sued and then dropping those accounts and rejecting account refunds. /MediaBox [0 0 612 792] Those attorneys do not litigate on behalf of consumers. /Parent 10 0 R In one case, Defendants settled a debt worth $3,943, agreeing to pay between 40-60% of the debt. /Resources 93 0 R Defendants know or should know the impact of omitting interest. 26 0 obj a reliable team behind me makes all the difference. /Resources 237 0 R Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. /Type /Page /Rotate 0 Participating in debt resolution programs carries significant risks. << /Contents [262 0 R 263 0 R 264 0 R] endobj Mr. Robert G. Androsiglio, Founding Managing Partner. /Contents [230 0 R 231 0 R 232 0 R] /Type /Page /Annots [] Attorneys and/or law firms promoted through this website are also federally designated Debt Relief Agencies. /CropBox [0 0 612 792] /Annots [] I enrolled with 9 accounts in the program. CALL NOW 888-572-0176. /Type /Page PAID ATTORNEY ADVERTISEMENT: The Rule applies to attorneys as well as non-lawyers, and prohibits businesses from knowingly providing substantial assistance to a company violating the Rule. How BBB Processes Complaints and Reviews. /Type /Catalog | Read 21-40 Reviews out of 44 /Parent 12 0 R Webinfo@monarch-legal.co.uk; 17 Fitzroy Place, G3 7RW; DX 512208; 0141 366 0003; Dundee Office: info@monarch-legal.co.uk; 87 Commercial Street, DD1 2AB; DX DD152; 01382 472 391; Quick Links. /Annots [] Your experience matters. However, in at least one example the City has seen, Defendants recorded blatantly incorrect information about consumers expenses to justify high monthly payments. Can you help me please? /AA 5 0 R If Defendants provided more accurate estimates based on their fee structure, interest, and creditor fees, consumers would understand that Defendants program does not provide a significant benefit and may in fact make consumers worse off. << /Count 1 /CropBox [0 0 612 792] 39 0 obj /MediaBox [0 0 612 792] /Resources 129 0 R /Resources 245 0 R endobj >> See BrokerCheck by FINRA, James M Katayanagi, available at https://brokercheck.finra.org/individual/summary/4890437; Complaint, Department of Enforcement v. James M. Katayanagi, (FINRA Office of Hearing Officers, Proceeding No. /Annots [] 27 0 obj The Citys investigation indicates that even when Defendants agents negotiate settlements with creditors on consumers behalf, they do not act in consumers best interest. /Parent 10 0 R >> WebExcellent 100% Very good 0% Average 0% Poor 0% Terrible 0% Latest Reviews: Everyone has been extremely nice 5 Everyone has been extremely nice, helpful, explaining everything /MediaBox [0 0 612 792] Skip to main content Better Business Bureau Monarchs agreement misleads consumers and contradicts other statements the company makes in prominent promotional materials that consumers rely on. Briggs v. Strategic Financial Solutions, LLC et al. << /Contents 66 0 R WebThe average annual salary of Monarch Grand Vacations is estimated to be approximate $95,818 per year. endobj 3 0 obj >> I accept the offer and signed a contract on June of 2020 with Monarch legal group. /Parent 8 0 R /Resources 233 0 R xMs0+"N'53=tzAe8H~W28I;.,%$,IO %' ~NTbK /Q*YQ> ~BO> B0~6IfA>rDN+dT0Q.BcywS Ocs^K~1,WlbAVrnSy3lAb@ /Type /Page The representatives read from a script about Monarchs program and ask consumers to sign an agreement after the meeting. 25 0 obj << endobj /Parent 13 0 R >> /Rotate 0 /MediaBox [0 0 612 792] By structuring its debt relief program as an offering from a supposed law firm, however, Monarch purports to avoid the requirements and restrictions of the DSCPA and similar laws. The testimonials reflect individuals experience with our services. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met. Defendants begin collecting these fees immediately and on a monthly or bimonthly basis. Hi Steve My partner and I have just been canceled from monarch for unclear and deceptive reasons. Well guide you through the process. How Do I Get Out of Debt Quickly? >> /Count 52 Thank you Sir. /CropBox [0 0 612 792] /Type /Page /Contents [258 0 R 259 0 R 260 0 R] In practice, Defendants cannot consistently negotiate such beneficial settlements, and information provided to the City by consumers suggests that many debts are settled for over 60% of the amount owed. /Type /Page /Length 445 Burnette is well aware of the harms his company causes through its deceptive and unfair practices. >> 55 0 obj /Resources 161 0 R >> /Parent 9 0 R /Parent 4 0 R Visit Salary.com to find out Monarch Grand Vacations salary, Categories Blog For businesses. /Filter /FlateDecode Standard phone and data charges will apply. We appreciate any help you can give. 42 0 obj Defendants know that they charge these fees and that consumers cannot complete their program without paying them, and yet Defendants omit estimated fees when representing to consumers how much money they will save. My wife and I enrolled in a program to negotiate our debts with Monarch Legal Group. Based on examples that the City has seen, the payment schedules include at least three omissions or deceptions. Im really happy with the service so far, I have just started this program, and to date I have found it to be extremely worthwhile, the pressure that this program has taken off me has been tenfold and I feel that I am finally headed in the right direction, I know the road ahead will be tough but well worth the effort, having a reliable team behind me makes all the difference. /Annots [] Type in the email address you registered with. /Parent 10 0 R /Annots [] /Metadata 2 0 R /Rotate 0 /Annots [] << /Contents [130 0 R 131 0 R 132 0 R] /CropBox [0 0 612 792] WebMonarch Legal Group is a private law firm and is not affiliated with any governmental agency, quasi-governmental agency, or charitable organization. Charles was born at Buckingham Palace on 14 November 1948 at Monarch consumers sign an agreement that says that the company will review the consumers personal hardship and other debt circumstances and formulate a plan to negotiate improved terms. As described further in Section IV below, the Citys investigation indicates that Monarch does not conduct a meaningful financial review. /CropBox [0 0 612 792] All photos are of models and do not depict clients. /Parent 8 0 R /Parent 12 0 R Defendants charge a slew of other fees, including a Retainer Fee and a monthly flat Legal Administration Fee. In the contracts viewed by the City, Defendants Retainer Fee was $995 and the monthly Legal Administration Fee ranged from $55 to $89. << BBB Business Profiles may not be reproduced for sales or promotional purposes. /Annots [] After accounting for Defendants various fees, consumers end up paying only a small amount into their reserves for settlement of their debts. /Annots [] /Count 10 WebWe are personally invested and highly committed to the success of the project at every phase. In exchange for the advertised services, Defendants charge significant up-front costs and monthly fees. We have since paid a large sum of money in this program as well as handled three of our largest debts on our own because we were not represented in these accounts. /Parent 9 0 R While Strategic and its subsidiaries process consumers substantial payments, provide ineffective customer service, and may negotiate with creditors, Monarch convinces consumers that a law firm is providing the debt resolution services. 6 0 obj /Parent 11 0 R /CropBox [0 0 612 792] /Type /Page /Annots [] This is contrary to everything I was told on a monthly basis from them., d. One consumer requested that the company get a [b]etter protocol explaining to clients how they assess fees and refunds..
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