I would like to start by saying my experience with this firm has been very pleasant during a very unpleasant time. I appreciate how professional and patient they were with me. Veronica was amazing to work with. She helped me through the process and made me feel very comfortable. So if you're thinking about bankruptcy, I would definitely go to Fitzgerald and Campbell. They are professional and pleasant. Thank you again. DD read more

I contacted this firm regarding a default judgment matter and was assigned to a case manager, Stanley Gibson. The initial conversation was condescending. He walked us through the obvious steps of the process as if we were slow, without actually answering the questions we asked. He followed up with a brief email containing a quote and nothing else. I emailed him my questions on July 22 and got no response. When I called to follow up, he answered by asking if I was a different client, using that person's full first and last name, rather than asking who was calling. For a firm handling people's financial information, that's a problem. When I asked about my questions, he said he didn't care, that the lawyer would answer if he answered, and hung up on me. I reported this to the manager, Joshua Rubio, who was apologetic and asked me to send my questions so the attorney could respond. Instead of answers, I eventually got a forwarded email from a senior partner declining to take my business, saying the relationship had broken down. The only thing that had broken down was that I complained about how their case manager treated me. None of my actual questions were ever answered. The quote was reasonable, but I could not get basic information before paying. read more

This was my first experience working with a law office, and I am very disappointed with my experience. I had a fairly straightforward case I needed representation for, and prior to hiring Fitzgerald & Campbell I was taking care of it myself. I decided to hire them in hopes: 1. I may get a more favorable outcome, 2. understand my rights better and what my options are, and 3. feel comfortable knowing I had a lawyer looking out for me. I paid a $3500 deductible, and none of those expectations were met. Instead: 1. My outcome with my case ended up being exactly the same as when we started. 2. I didnt learn anything or feel more understanding of what lawyers even do. 3. I felt better handling my situation without them. I talked to my lawyer maybe 2 times on the phone. They literally did the same exact negotiation I was doing prior, only they charge $40-$80 an email. Where it stands today, I paid $3500 (they waived the $60 overage though, thanks!) and I am having a hard time knowing if there was any value of that money spent at all. My advice: do your research, ask yourself if you even need representation, and if you do decide to work with a lawyer, ask them lots of hard questions before! read more

Special thank you goes out to Fitzgerald and Campbell for their professional and empathetic ways to settle a lawsuit. My case manager, Diana, who is the assistant to Mr Campbell, negotiated a settlement offer with the other parties canceled with the days of hire. Clearly communicate communicated all necessary steps to ensure that the settlement was reached and a payment plan arranged. Definitely gives me peace of mind going forward. Thank you once again so much. I sincerely appreciate it read more

I have no idea the caliber of attorneys in this firm, but I am appalled at their marketing. We received a letter from this firm telling us that they found that my husband was being sued. Admittedly, we did not see the disclaimer on the letter right away. However, there was an attachment that showed the defendant, my husband, an attorney and the plaintiff information. We were already in shock from the letter. In my opinion, this type of marketing is used to incite fear in their victims. We are retirees who are lucky enough to have kept up with technology and it use it to check things like this out. Others who are elderly or just not knowledgeable could be duped into calling these people. We are going to wait to get served. read more

Terrible customer service and communication. After paying for their services I am extremely disappointed and would not recommend to anyone. This is a matter I could have handled myself as their business is just not up to par. I was extremely disappointed for the amount of money I paid. I definitely expected far more! read more

When I initially reached out to consult with this firm, I spoke with Stanley. He told me how strong their relationships with banks are since they're a debt-focused law firm. He also said that most clients settle for around 50% in a lump sum or 70-80% if paid over time. I owed about $13.5k on a credit card and was planning to do a lump sum, so that sounded like music to my ears. Without doing much research, I trusted my gut and hired the firm for $1,100. I was assigned to William Campbell and Naomi Gomez. I never heard from William throughout the representation, and Naomi, who managed my case, had very poor communication the entire time. I called her at least three times on separate days and always got voicemail. Other than possibly the initial orientation call, I never spoke with her by phone. I had to follow up multiple times to get answers as deadlines approached, and it just felt like they didn't really care. After talking highly about their negotiation skills, they came back with a settlement offer of $11.5k in two payments. I told them I couldn't afford that and might need to file for bankruptcy. Naomi then helped prepare a legal answer to the lawsuit, which marked the end of their representation. The draft had multiple typos, and I had to reach out several times to get them corrected. So essentially, I paid $1,100 to be told I still owed $11.5k on a $13.5k debt. I'm not completely upset about that outcome -- I understand negotiations are unpredictable -- but the false hope given during the initial call and the poor customer service throughout are the reason for this review. Honestly, I'm left wondering what I even paid for, because I probably could have negotiated that outcome myself. The only bright spot was Diana, who I spoke with the day before my hearing when Naomi was unresponsive (again). She was helpful and took the time to explain what was going on with my case. read more

Worst law firm to exist, you can 100% handle this matter yourself much better than they can. They are unreachable, negligent, and simply careless. They are only in this for the money, they do not care about you enough to try to help you. They accept the first offer that they get and genuinely don't even care to try to get you a fair one since they just collect the flat rate fee for their services. I am confident that I could've negotiated a far better settlement offer for myself and saved the money that I spent on retaining their services to use for the amount owed. I had to constantly reach back out to them to remind them to provide me with an update on my own case. I did not even get a chance to pay the agreed upon amount before they removed my access from the portal. This was the worst experience I have ever had and would never recommend their services to anyone. I spent so much time looking up laws myself and drafting up my own messages for them to send to the opposing counsel and had to constantly follow up with them. Save your money, time, and energy, do it yourself. read more

Edit based on the response & responses to all 1-star reviews: Be aware that they don't like to be called out and like to get real snarky. It makes me laugh because they won't fight for you but they are quick to fight with you. Again, if you actually care about how you're being represented and want to talk to who is going to represent you, go elsewhere. Your consultation should always be with the attorney who is actually going to represent you; don't settle for never getting to talk to that person. The one thing I will say, is this was a great learning experience on how to better vet firms and to follow your gut on red flags from the beginning. Original: I wish I came on here and read the reviews first. This is my experience based on TN, which they serve. But be careful if you're talking to them on the free consultation. Not once did he ask me where I was from and initially consulted me on CA laws; not TN, as I came to find out later. My consultation call with Cristian (who apparently is an assistant but never once said that so it wasn't until I was off the call and did research did I realize I wasn't actually talking to an attorney) brought up some concerns from the beginning because I sent in all my info as requested (personal and private information) and he didn't seem like he even reviewed it. It felt like every question I asked since it was my first time going through this process was met with something quite vague. But I continued because they said they could file it quickly, and how is that not appealing to think about putting this behind you? I filled out the information that they ask for and continued moving forward, spending hours on this, answering clarifying questions that he would text back to me. My only asset is a car and I asked them if it would be something protected being I'm a single mom with young kids in TN. Cristian told me "it would 100% be taken". That should have been my first realization that this firm doesn't actually fight for you-- they just apply the same processes to every single case. I had to ask MULTIPLE times if it was trustee's discretion or if they could negotiate a buyback before he finally gave me a straight answer. The whole time he's just telling me "It's 100% going to be taken. You need to know the risk." It felt like I was talking to a wall. I have the entire text chain to prove exactly how it went. I kept telling him I understood the risk but my question was about their process to get to that point. Once he gave me a straight answer that they do not negotiate buybacks and yes it was attorney's discretion, I then asked what the next steps are and at what point I was going to be able to speak with the actual attorney who be handling my case--because texting with an assistant is not a way to build trust on something that's a big deal. Horrible process. We're entrusting somebody with basically our life on paper that we don't actually get to talk to? The next message was that I wasn't a good fit and we're parting ways. Why? Because I actually wanted to know HOW they were representing me and if I would be talking directly to the attorney who was supposed to represent me at some point. Apparently you can't ask questions. It was the most frustrating runaround I've ever had. I'm SO grateful that they said we're parting ways because that showed me exactly who I was dealing with: a firm who just wants the numbers and they don't care about the people behind the cases. Which is frustrating when it's a very sensitive topic. It's a high-volume firm first focused on getting people in and closed. They have their systems that I'm sure work for them. But if you are an anomaly or actually want somebody who cares, will answer questions, and is going to advocate for you, go someplace else. A big life-changing deal like this isn't worth putting in their hands. read more

Meh. Don't expect them to negotiate for you or press for a better deal in any way. I came with a case where the other party had engaged in number of illegal acts, and this firm didn't push back or advocate for me at all. They will take whatever offer the other side gives. Due to the predatory nature of the industry, you will probably get a slightly better settlement if you work with an "attorney" versus negotiating on your own, but this firm will not effectively advocate for you. read more

I I chose this firm because Mr. Campbell is a veteran and I am a veteran and I just say that his associate Niomi is an asset to the firm. She has walked me through everything that I needed to do because of my disability I need assistance and she was there for me every step of the way and I just say that I appreciate this firm and I would highly recommend it to anyone that needs help. They are honest they have many options to assist you with in the end. The outcome was beneficial to all parties I'm just happy to be able to put this behind me and move on with my life with the assistance of this firm. They have definitely been a positive start to the new year. I would recommend them to anyone that needs help because if they help you, they have referrals can. Niomi was there for me every step of the way if I needed assistance, she returned my calls right away. She kept in touch with me and kept me and she is an asset to this sincerely, Tanya Basham read more

Don't waste your money or your time with Fitzgerald and Campbell. After an initial consultation with an attorney, Greg I think, and he promised he could resolve my case and reach a very favorable settlemet and terms, so I hired them. After that, I never heard from the attorney again, everything else was handled by a paralegal who essentially acted as a glorified messenger--just relaying messages between sides without offering real legal support or strategy, and all through some inconvenient "portal". The outcome I reached was entirely my own doing and would've happened with or without them. Worst of all, when I raised concerns about their service, they responded by trying to drop my case. For a law firm, that's unacceptable--what happened to fiduciary duty? A complete waste of time and money. read more

Their customer service is real bad. I emailed the lady that was helping me with my issue several times and it took weeks for her to get back at me only to tell me that what I had sent wouldn't work. I was made to pay the full amount of the lawsuit. They don't care about people only the money they are making off of you. read more

This law firm is really good...Naomi especially! She helped me reach a reasonable settlement with AE. I was so worried because I had never gone through anything like this. I was going through debt resolution but making payments for a different card and they closed that one too! Fitzgerald & Campbell reached out to me before I had even gotten notice, they really eased my fears and proceeded to work it out for me. Thank you again Naomi and the Fitzgerald & Campbell team!! read more

Stanley Gibson hung up on me mid phone consultation. Absolute jerk that didn't give me more than 2 minutes on the phone. Please avoid this business. read more

Very unprofessional, just a flat out SCAM. Save your money and do it yourself. They won't fight for you and will just lay down and take the first offer the other side presents. They want this over as quick as possible and not care about getting you better results. You'll get unprofessional e-mails from Naomi and William gas lighting you when you let them know you aren't happy with the results. They get annoyed and William will take it personal that you question what he has done and he will start to tell you how much he charges per hour in an attempt to act entitled as if he is "too good" to be talking to a little peon like you. I've dealt with other attorneys in the past and this was BY FAR the worst experience I have ever had. THIS IS A SCAM, SAVE YOUR MONEY, at least do research before you choose who represents you, Fitzgerald & Campbell gets a big fat F. Then they reply with "We did great work" That's funny since you did NOTHING. And you're absolutely right about the insults, you deserve it and I was just firing back after YOU were Extremely unprofessional and a total Con Artist. You and your whole set up is a joke and a compete SCAM. Anyone reading this Know that the 1 star reviews on here are the real reviews and the others are all fake. I don't know what is worse, an "attorney" (i use that lightly) thats a complete Fraud and gas lights his clients and the proceeds to make condescending posts on their review and Lie or a used car salesman? Both are bottom of the barrel. Also, you're not gonna be famous for writing lame comments back to people on Yelp, it's Cringe and you're not that guy. Looks like you care more about posting comments on Yelp and trying to become internet famous then Actually doing YOUR job and working for your clients. The entitlement and ego from you and your employees is disgusting, childish, and unprofessional. Nothing but Frauds and Scam artists. read more

Great firm to do debt consolidation. They are very informative of your case and great communication. I feel that because it is a law firm they work better than the debt consolidation companies out there. read more

This review is a long time coming. This form is nothing but a scam and I have all the emails to prove it. They wanted to move forward and settle on a case against me without even trying to learn if the case was valid. I was the one who kept forcing them to ask opposing counsel for supporting documents that would undoubtedly prove that the charges in question were in fact mine. Had I not stood my ground, they were happily going to settle instead of what finally happened, which was that the case was dropped due to the fact that opposing counsel had no supporting documents. I did that, not Fitzgerald or Campbell! On top of all that, I was ridiculed by one of their paralegals for "not being a man". How's that for professionalism?? That said, any potential client should know that all your cases will be handled by amateur paralegals, not actual lawyers, yet they will charge you actual lawyer fees. If you want your case to be a stepping stone for an aspiring lawyer and would want to put your trust in that, go ahead. But if the case has the potential to hurt you financially or cause irreparable harm, I would walk away from this firm and find a real lawyer to take your case. Again, I have all the emails, in chronological order, to prove that this firm want to take the path of least resistance in order to makes themselves the quickest buck possible. I'm glad they were not able to charge me the exorbitant amount they wanted for half-assed, paralegal work! That's right, took them to arbitration and they lost! And to the arrogant paralegal who claimed they were "the best" and that's why they had the "right to be arrogant"... looks like you were wrong. I hope you never become a lawyer, Gregory. You deserve to have everything stripped away from you. You have earned nothing. "Sit down, be humble" read more

Fitzgerald & Campbell - Actual email from arrogant paralegal. Is this how you would like to be treated as a client?? - Bankruptcy Law Near Me - Santa Ana, California

I received a wage garnishment at work, and to my surprise, it was a default judgment against me from 3 years prior. I lived in Phoenix AZ, and Midland Credit served me at an old address in San Jose, CA. The process server lied and said that the people who live there, said, I was a co-resident. Well, that's a separate issue. After speaking to multiple attorneys, it seemed to be in my best interest to just pay Midland, as opposed to fighting the default judgment. After reading many bad reviews on their Yelp Page, I decided to just give Fitzgerald & Campbell a call and gage them myself. Other attorneys wanted a percentage of the savings, on top of a fixed fee. I was charged a small flat fee of $900 and I was able to make two payments. My case worker was Patricia, and she was quick to get me my first settlement offer within 24 hours. She came back 3 days later with a settlement offer of 50% off the total balance due. Before my case was closed, she ensured the sheriffs department removed the wage Garnishment, and that Midland reported the judgment as satisfied with Santa Clara County. I have MetLife Legal insurance, and this was considered an out of network attorney....in Network attorneys didn't want to help me. I was reimbursed $600 from MetLife. My total out of pocket cost to resolve this headache was only $300. What a steal! read more

Update: I was offered money to delete my review below .... Who knows how many people caved in and took the money!?!? Also after I wrote review, I was locked out of my account and had to call for copies of documents, not sure if I will receive my requested documents? Do not use this Law Firm, they are a joke. My inquires were not answered or not given full information regarding my options. I asked to terminate service and requested a refund on two cases that I just agreed to. I was only refunded for half I paid for one case and then told the refund was for both cases. I will be filing to go to arbitration on this matter. I suggest you do all your homework before hiring this company. They have taken advantage of someone trying to get out of debt. read more

Since you know the resolution on my case I assume you know who I am. Writing a response earns you the fee you charge. I hope people read these reviews before making the decision to hire your firm. I am always kind and respectful of people who respect me. Treat people how you want to be treated. I understand why the lawyer took the long route and filed a response instead of filing a dismal for not being served. Your response let's you keep your fee. As shown below on the text. Which means you do what is your best interest. read more

Fitzgerald & Campbell - Bankruptcy Law Near Me - Santa Ana, California

They refused to help me because I went with Fullman firm first lol this place is joke, this the only way I can reply to what the guy said, like I said they refused to help . This place is a joke read more

A very good value for money spent, try have Patricia M. help you! The best there is, carefully methodically processing. Could not be happier with the results that I got. read more

From day one till the end this firm has been great helping me through this painfull headache. Naomi Gomez kept me informed till last week when I had to pay off the settlement. If I ever need help with this kind of ​business I would hire them again in a heart beat. Thank you so very much to Naomi Gome and the team at Fitzgerald and Campbell. read more

This law firm could not have done a better job with handling my case so professionally. My case manager Miss Naomi was wonderful, she was knowledgeable, persistent and guided me the whole way through. She had excellent customer service and without a doubt I will make sure to recommend this firm thanks to how well she handled my case. Thank you Fitzgerald and Campbell! read more

This review is from the first consultation to the Onboarding process. I can't review the outcome or how the case is handled yet. The consultation to payment to setting up my portal has been seamless! This firm has been so pleasant to work with and I genuinely feel like that will handle my case quick and painless. I am so happy I chose to use them!! Now let's hope the case is closed promptly because it's a very basic one!! I highly recommend!! read more

Dont waste your time, money or energy on this place. They take your money and they don't help do ANYTHING to resolve ANYTHIN! They are more favorable to the creditors than to the people they so call "help". This agency is a joke. read more

Attorney Campbell was able to settle my case for less than half of what I owed. So grateful for the work and support of Campbell and his legal team. They are very clear, and communicated often to keep me in the loop. Appreciate the service. Felt like they were looking out for my best interest. read more

What is L O V E.... A. Spouse B. Dog C. Graduation day D. Moms E. Fitzgerald & Campbell, APLC. D. All of the above. Ok, times up... D. All of the above. ! .... read more

Naomi was absolutely the best person who could've been assigned to my case. I feel what I paid for their services was all worth it thanks to Naomi. She wasn't hesitant or annoyed to answer my questions or concerns no matter how dumb they were. She went into detail with me and thoroughly went over everything I had questions on. I hope I'm never in a situation similar to the one I was in, but if so I know which law firm I will be reaching out to. They helped me settle my case with an agreement that worked for both parties. Once again, thanks so much Naomi and William for helping me resolve my case and walking me through the process! read more

It's a Big Wow.... Highlight is they care about you!!!, they want to take away your problems and solve them for you with great integrity!!! To show your appreciation in return, make your payments to them steadily and make that your integrity to them! read more

I was in a pickle with an old credit card that needed to be paid and Vicki gave me all the information I needed. I was unable to pay at the time or afford there services but they gave me the advice I needed to move forward with a conversation with the collection office. Thank you Vicki! read more

You Never want to have to get to a place in your life that you need a law firm but sometimes things happen in your life that are not in your control. I found myself in need of a law firm 8 months ago and I was so fortunate to find this company. And to be more Specific I was so grateful to get connected to Noha. Ask for Noha... Every step of the way she went above and beyond to help me sort out the mess and allow me to start fresh. Life happens and sometimes things are unavoidable that derail your plans. It was nice that there are still people around to help you get your life back on track. Thank You read more

Fitzgerald & Campbell - Bankruptcy Law Near Me - Santa Ana, California

Coming from someone who knows absolutely nothing about legal fees or court. I called Fitzgerald and Campbell when I was served with court papers regarding my Capitol One bill. I told them I couldn't afford the $700 fee right away and they were so kind and let me split my payment. They ended up talking the other people down almost $2000 and were able to get my payments started to avoid court. They made it very very clear they wouldn't be my actual attorney and appear for me in court so the expectation was understood from both sides. I was so scared and they made this whole experience so much better. I am so grateful for them. 10/10 recommend to everyone. read more

Settled my wage garnishment 19000 less than the judgement! In less than 30 days. High recommend this company. Very professional and answered all my questions without making me feel uncomfortable. read more

I have nothing but positive things to say about this law firm. As someone who was getting their credit repaired from mistakes I made when I was younger, they handled my lawsuit from a debt collection company and got it completely dismissed! If you have a debt lawsuit and aren't sure what to do or who you should go with, I would highly recommend them as the entire process was simple and stress free. Thanks again Angelina and everyone else who was involved. read more

When it comes to the practice of law, there are varying levels of competent attorneys. Not every attorney is adroit at litigation. In dealing with Noha and her colleagues at Fitzgerald & Campbell, the first thing that stood out to me was the depth of their knowledge and their proven track record. From the outset of our relationship, they laid out a detailed plan of engagement, and they identified the strengths and weaknesses associated with my case. As the case progressed, Noha was astute in outlining, with specificity, our plan of attack. To include but not limited to, the opposition's potential game plan, our counter to that game plan, etc. Not only did she deliver beyond expectations, she diligently worked to get my case dismissed altogether. As a result, the case against me was dismissed absent me having to pay one dime whatsoever. It goes without saying, that such a result is not the norm, but due to her diligence, and zealous representation on my behalf, she was able to obtain the most favorable result for my family and I. Noha, I salute you! Moreover, I will ensure that anyone I encounter, going forward, who needs representation, I send them your way. I am forever grateful for your representation, diligence, and willingness to take on my case! Between you and Dayanne, you two made this experience the most memorable. Thank you! read more

*Update to my 3/2022 review* I just emailed Yelp to see if it was possible to give a company 6 stars. They said no, but writing a glowing 5-star review would suffice. So here we are... I'm a medical doctor, in residency, living in one of the most expensive cities in the country. Over a decade ago as an undergraduate, I tried to be as frugal as possible, worked a part-time job while studying, and counted every penny. Still, I needed to take out loans to help pay tuition. One particularly nefarious private loan for $16,000 had an interest rate somewhere just shy of a 'katrillion' dollars. Although I had repaid far more than the original $16,000 to the loan company over the years, due to the magic of compounding and our predatory student loan system, they claimed I still owed them ~$40,000. Over the years I kept in constant contact with that company and sought to revise my monthly payment amount on numerous occasions in order to pay the debt down more aggressively. Despite my best efforts, the principal kept rising and the deceptacon-like interest rates kept transforming.  One particularly challenging 90-hour work week things came to a head. I was working in the ICU taking care of dying Covid patients and the student loan company (whose name rhymes with Navient) continued to hammer-call me about my loan payments. The stress of trying to help dying patients while dealing with this unreasonable debt became far too much. So I reached out to Fitzgerald & Campbell for a little financial healing. From the beginning to the end of the process, they were absolutely AMAZING! My case representatives, Monica & Theresa, were wonderful. Very attentive, responsive, and reassuring. As soon as I signed on with them the calls from Navient stopped almost immediately and I could rest easy knowing that Fitzgerald & Campbell had my back. When I would get anxious about how things were going, Monica would very calmly walk me through the process once again which allowed me to settle my nerves, focus my mind, relax my heart, and care for my patients. I was also able to speak directly with one of the partners, Gregory Fitzgerald about my case. Mr. Fitzgerald was gracious with his time, personable, and had a really good sense of humor, which actually helped to lighten what was already a rather stressful situation. Ultimately the firm was able to settle the $40,000 debt for $11,000!!! That's nearly $30,000 of my life I got back. As a resident physician, we work super long hours and per hour we LITERALLY make less than minimum wage. Saving $30,000 and getting Navient off my back has been life-changing.  I enjoyed the process so much that I referred my fiancé to their firm as well. She is a nurse who has also been on the front lines throughout the pandemic. She saw the financial and mental stress relief that I received working with Fitzgerald & Campbell and knew it was something she also wanted for herself. She recently signed on with them and we're looking forward to the team at Fitzgerald & Campbell taking great care of her as well. I can't say enough how much I enjoyed my experience with their firm. I offer a deep bow of gratitude to everyone in their office for holding my hand and walking me through this process. I hope anyone even thinking about eliminating their debt at least reaches out for a consultation call with the firm to see if it is right for you. Sincerely,  Dr. Grateful read more

My wife and I were drowning in debt and we had no clue where to start nor what to expect. Fitzgerald & Campbell came in and showed us. They walked us step by step through the entire process in a very clean, simple, and welcoming manner while maintaining the highest standard of professionalism. They were 100% transparent in everything they did from start to finish. We learned so much more than we could ever expect to after going through this long and stressful process. We would like to acknowledge our attorney Noha Gabra that took on our case. She is someone who you could say is at the pinnacle of her craft. My wife and I can't praise her enough for everything she has done for us. Saul Mendez, Christina Blende, and everyone over at Fitzgerald & Campbell who took part in our journey have all been such great advocators and educators. We can't thank you all enough for allowing me and my family to start anew. Thank you Fitzgerald & Campbell for everything you have done. read more

WARNING- LEGAL VULTURES TAKING ADVANTAGE OF CONSUMERS... To Anyone considering using Greg Fitzgerald, In a nutshell, I called Greg Fitzgerald to help me with my past-due, debt situation given unforeseen circumstances. As a law firm that claims to be experts with debt and debt consolidation, they proved to be slow, less effective, and incompetent. They simply did not know how to maximize the discounts available and negotiate well on my behalf. I complained and argued with Greg Fitzgerald about their incompetence and how I could negotiate better than his person or people assigned to my case. I proved it and personally saved tens of thousands of dollars on my own through my own direct calls. He took advantage of my efforts and savings and applied his commission rate to it-adding an additional $5,482.04 on top of all the money he was already paid at the beginning and throughout their slow process. I refused to pay this additional amount so he ruined my credit by putting the $5,482.04 into collections. I went to Fitzgerald to help me repair my credit but instead, he made a ton of money from my $100k+ in debt, and ruined it again. Fitzgerald has me hogtied so there is nothing I can do. To fix my credit, I will have to pay his collection firm- Nexum Group Collections $5,482.04 to clean up my credit report. Candidly, each one of you with credit issues can simply call your creditors directly and work out a resolution. Intuitively, it may feel challenging or scary but it is actually better since you are communicating directly with them to resolve your situation. It is pretty easy to deal with your creditors and they will give you the maximum discount without hassle since they have structured plans and discounts/reductions they are authorized to give you-given your delinquency. Fitzgerald is a vulture- capitalizing off this 'unknown debt repair process'. They will lock you into an agreement and call the creditors on your behalf making a spread off the discounts you could get yourself. In the end, you may be worse off working with Fitzgerald since you're just a 'number' on their auto-pilot, conveyer-belt system, doing the minimal, negotiation work through their staff-ultimately being on the hook for more money and having to pay Fitzgerald the spread on the savings. TRUST ME- try doing it yourself first. Don't let Fitzgerald take your money, on their terms, at their pace. If you complain or argue with their process and fail to pay, they will attack your credit like they have mine. All the best to you, B‌K read more