I had a really hard year last year. A lot went wrong and I couldn't afford to pay half my credit cards, so they were starting to call me and send me nasty letters.
I got a letter in the mail from this company offering a loan. I laughed and said there is no way with what's going on that they could get me a loan. But in desperation I called anyways.
I spoke with Nate.
He listened to my rants and raves for about an hour, but never complained. I had so much going on, I think I just needed someone to vent it too and he let me. He was so nice to me.
He took my soft credit application and called me back the next day. Unfortunately, as I suspected I didn't qualify for anything, I mean when I checked on my app, it said I had a 520 score , so wasn't expecting anything.
He then gave me his law firms offer. Explained that I'm putting money into a savings account every month and that his lawyers would negotiate all my debts and I would have them all paid off within 48 months.
I saw the previous reviewer, I didn't save as much as him, I only saved 362.00 a month. I still can't save more than 50.00 a month off of that, but at least its made some breathing room. I pay my car off next month so that will free up about 400.00 on top of that.
I received a call from their lawyer the next day and she said for me to send her all of my letters from the CC companies and any summons so she could work on it right away. I hadn't even made my first payment towards my program, but they were already ready to help.
I'm 2 months in, and so far I haven't gotten a phone call at all from any of my cc companies or personal loan companies. The stress is gone. I'm actually looking forward to savings.
I liked the idea I read about a separate savings with no debit card linked , so I'm going to try that. That is a great idea poo poo on Nate for not telling me. I'm kidding Nate if you read this, you were great. Thank you so so much. read more