Legal services are only offered once a Monarch Legal Group attorney has had an opportunity to review the specific facts of a case and indicates a willingness to take on the representation. /Contents [186 0 R 187 0 R 188 0 R] Customer Reviews are not used in the calculation of BBB Rating, Need to file a complaint? /Type /Page /Annots [] /Rotate 0 How to Try to Get a Refund From a Debt Relief Company, The Ultimate Guide to Dealing With Student Loans You Cant Afford. Defendants also repeatedly fail to provide litigation defense services to consumers when creditors sue them. BBB Business Profiles are subject to change at any time. 225 ILCS 429/125(c). 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. Defendants Do Not Provide Contracted-For Litigation Defense Services, Leaving Chicago Consumers to Defend Themselves in Court, Timothy Burnette Controlled and Directed Monarchs Conduct, Defendants Deceive Potential Customers by Posting Fake Reviews, Strategic Engages in Unfair and Deceptive Practices in its Debt Resolution Business Across the Country, https://brokercheck.finra.org/individual/summary/4890437, https://www.finra.org/rules- guidance/oversight-enforcement/finra-disciplinary-actions?search=2013035572001, Former Credit Counseling Executive and Serial Dirtbag, Andris Pukke Arrested, Litigation Practice Group Lawsuit by Business Partner All Service Financial We Want Our Money, Refunds Sent to Students Deceived by Student Advocates Debt Relief Scam, Clay Advisors Same Debt Consolidation Loan Mailer, Different Name, https://getoutofdebt.org//20126/how-to-try-to-get-refund-from-debt-relief-company, https://getoutofdebt.org/20126/how-to-try-to-get-a-refund-from-a-debt-relief-company, 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. Copyright 2020 Business Consumer Alliance All Rights Reserved. /Resources 129 0 R RAM charges a monthly fee of $10.75 to administer each account. >> b. This company took over $25,000 from me then canceled my account, did not contact me and refuses to give me any information or any access to my online portal. get quotes and more. /Contents [150 0 R 151 0 R 152 0 R] By an Act of Congress and the President of the United States, Monarch Legal Group, is a federally designated Debt Relief Agency. Attorneys using Defendants internal case management system copy and paste the same brief notes logging Attorney Reviews without mentioning any information specific to the client. Briggs v. Strategic Financial Solutions, LLC et al. 3 0 obj Monarchs Client Retainer Agreement states that [t]he law firm puts in place a customized strategy based on the individual client and their debts[. endobj /Parent 12 0 R On information and belief, Defendants estimates for other Chicago consumers contained similar inaccuracies. /CropBox [0 0 612 792] /Resources 109 0 R - 1:22-cv-03705) If you are able to qualify which should not be too difficult I recommend their services most highly. /Rotate 0 /Resources 269 0 R 15 0 obj /Rotate 0 /Rotate 0 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. /MediaBox [0 0 612 792] Follow my guide here https://getoutofdebt.org/20126/how-to-try-to-get-a-refund-from-a-debt-relief-company. This assumption is unrealistic. In examples the City has seen, Defendants collected the entire Service Cost less than halfway into consumers payment schedules. /Parent 9 0 R >> *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. /CropBox [0 0 612 792] The city`s investigation did not reveal any /MediaBox [0 0 612 792] /Rotate 0 /Parent 9 0 R The testimonials provided are selected from independent third-party sites. 57 0 obj endobj endobj As the sole member and manager, Burnette has controlled and continues to control Defendant Monarchs conduct, including its arrangements with Strategic and other third-party vendors that carry out the debt resolution program. >> 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. PRIVACY POLICYTERMS AND CONDITIONS. /Resources 93 0 R WebComplaints may also be filed by calling the Fraud and Abuse Hotline at 1-866-801-2549. In fact, Defendants settled the debt for more than the consumer owed when the consumer contracted with them. 55 0 obj /Contents [190 0 R 191 0 R 192 0 R] << 23 0 obj /Parent 8 0 R Webmonarch legal group complaints. In the scripted presentations that third-party notaries and paralegals make to prospective clients, the representatives state that [t]he law firm is prepared to do what is necessary to represent you, and, if appropriate, defend you against creditor or collector lawsuits. The script also instructs representatives to state that legal fees for your defense are covered by your retainer payments.. Side Hustle Review - Is It Too Late To Make Money With A Helium Miner? /Parent 11 0 R /Parent 4 0 R The Rule prohibits debt relief companies from charging fees before settling or resolving a consumer debt. 2 0 obj /Contents [118 0 R 119 0 R 120 0 R] 6 0 obj << /MediaBox [0 0 612 792] /Parent 10 0 R More egregiously, Monarch mischaracterizes the refund policy and uses it to induce consumers into joining the debt resolution program when they otherwise would decline to do so. /Contents [98 0 R 99 0 R 100 0 R] /Parent 4 0 R The Citys investigation indicates that Defendants do not act in consumers best interest when creating a customized payment program. 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. Anyone can file a complaint << Defendants have attempted to avoid these rules by operating under the name Monarch Legal. /CropBox [0 0 612 792] /Rotate 0 /Resources 221 0 R /Resources 237 0 R endobj This kind of attitude destroys the debt relief space for good people that want to do good things. /Contents [138 0 R 139 0 R 140 0 R] Through their unconscionable practices, Defendants have harmed Chicagoans seeking to get out of debt. For businesses Categories Blog. /Annots [] /Parent 12 0 R In total, those settlement fees cannot exceed 15% of the savings the debt settlement provider negotiated for the consumer. endobj >> 28 0 obj /Parent 10 0 R >> Another consumer wrote: I requested a refund because no work had been done. /Parent 12 0 R endobj /Parent 8 0 R /Resources 141 0 R As discussed in paragraph 36 above, customers pay a Retainer Fee (often around $1,000) and a monthly flat Legal Administration Fee (from $55 to $85). << Reg. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. | Read 41-44 Reviews out of 44 /MediaBox [0 0 612 792] << Read More Business Details and See Alerts, International Association of Better Business Bureaus. /Type /Pages /Resources 105 0 R The following is My Monarch legal group/reliant account # 25270. Sign up for free now, Sign up for free to participate on the website. After accounting for Defendants various fees, consumers end up paying only a small amount into their reserves for settlement of their debts. /Resources 89 0 R << /CropBox [0 0 612 792] Company resolves 0% of complaints brought to its attention from Business Consumer Alliance. /Parent 10 0 R /Parent 11 0 R >> Monarchs website states that Timothy Burnette is the attorney responsible for the content of this Site.. Attorneys and/or law firms promoted through this website are also federally designated Debt Relief Agencies. << endobj /Type /Page 53 0 obj /Title (Briggs v. Strategic Financial Solutions, LLC et al. >> How to Get Out of Debt. << 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. /CropBox [0 0 612 792] endobj /MediaBox [0 0 612 792] On information and belief, Defendants deliberately obscure the fee structure in these estimates to induce consumers to contract with them. 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. endobj I had been paying all of my credit cards both person and business. /Type /Pages 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. In one case, Defendants settled a debt worth $3,943, agreeing to pay between 40-60% of the debt. /Rotate 0 >> << Atty Approved.. /Contents [114 0 R 115 0 R 116 0 R] In one of those files, Monarch included a call script for a different legal entity, Option 1 Legal. Notify me of follow-up comments by email. /MediaBox [0 0 612 792] business practices. The Law Offices of Robert G. Androsiglio, P.C. /Rotate 0 /Contents [210 0 R 211 0 R 212 0 R] BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. endobj Hi Steve, I am a victim of Monarch until now for 3 years. >> Can you help me please? ffxiv mastering magic iv; benefits of businesses giving back to the community; monarch legal group complaints. Strategics partnership with Monarch is not unique. /Contents [162 0 R 163 0 R 164 0 R] Monarch promises in the Performance Standard section of its contract to refund consumers for the share of all Monarch fees & costs for work on [the] individual debt if Monarch (through Strategic) fails to reduce that debt by more than 35% of the amount owed at the time of the agreement. Former and current employees have reported that this discrepancy is part of Defendants marketing agenda. However, due to a temporary disability I was in and a hardship I was facing, I called and applied to the loan. This business is in an industry that may require professional licensing, bonding or registration. On information and belief, Strategic tells representatives to say they are calling from Monarch, not Strategic, so consumers do not realize that they arent speaking to someone at Monarch. b. I am thrilled that the City of Chicago is going after them. /Resources 165 0 R Defendants know or should know the impact of omitting interest. Do you agree with Monarchlegalgroup's TrustScore? >> << /CropBox [0 0 612 792] /Rotate 0 /Annots [] 36 0 obj >> endobj /Type /Pages << >> 1 0 obj Instead, Defendants require consumers to sign an Account Servicing Agreement with Reliant Account Management, LLC (RAM). /MediaBox [0 0 612 792] /Type /Page Outrage by companies that remain silent does not equal action to protect good companies or debt relief help for consumers that need reputable help. Join the 46 people who've already contributed. In response to the Citys subpoena, Monarch provided information from a limited number of consumer files. endobj It is this unique and continuous involvement that separates Monarch from the competition and drives superior returns for our investors and employee owners. BTW, I was able to get $14k refunded by following the steps detailed on your blog, so thank you for that blog post! All at ZERO COST to you. Dissatisfied consumers have further limited recourse because Defendants require consumers to sign arbitration agreements and class action waivers. Current and former Strategic employees have noted that Monarchs and Strategics practices confuse consumers. /Type /Page 51 0 obj Given those significant fees, the consumers potential savings on the amount owed was far less than Monarch advertised and explained. That law requires debt settlement companies to register with the state and restricts practices likely to harm consumers. WebMONARCH LEGAL GROUP AKA BURNETTE LEGAL GROUP INVOLVES TIMOTHY BURNETTE AND JASON BLUST. WebThese instructions are for informational purposes only and do not constitute legal advice or substitute for the provisions of any statute, rule, or regulation. /Count 10 /Resources 257 0 R /Rotate 0 DO YOUR RESEARCH THIS IS PUBLIC INFORMATION. Second, Defendants predict that they will negotiate settlement agreements at around 40% of the debt consumers owe when they enter the payment plan. /Resources 277 0 R *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. /Rotate 0 >> In which an option of consolidating all my unsecured debt into a single monthly payment was advertised. >> << WebWe are personally invested and highly committed to the success of the project at every phase. 21 0 obj Overview Reviews About. /Type /Page /Rotate 0 /Type /Page endobj /CropBox [0 0 612 792] /MediaBox [0 0 612 792] endobj The State of Illinois sued Legal Helpers and its principals for similar consumer-protection violations in 2012. Already have an account? /Type /Page /Type /Page /CropBox [0 0 612 792] Whether youre dealing with threats of foreclosure, wage garnishment, creditor harassment or excessive debt, the experienced team at Monarch Legal Group can help you get your finances back on track. << The policy, as written, does not provide consumers with adequate relief. >> /AA 5 0 R /Resources 245 0 R In its client retainer agreement, Monarch explains that bankruptcy is another option but discourages that option by stating that it will be reflected as a permanent record on a Clients credit report for up to 10 years.. /Contents [254 0 R 255 0 R 256 0 R] /Parent 12 0 R We are a debt relief Thank you for the feedback. The following example from a Chicago consumer illustrates Defendants failure to provide legal advice related to a settlement. Defendants did not make any settlement payments from the consumers account. /Parent 11 0 R The DSCPA excludes from regulation the services of an attorney engaged in the practice of law. 225 ILCS 429/10. /Parent 8 0 R 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. >> Our records indicate the company failed to respond to the one complaint brought to its attention. It sucks that you found yourself in that position. 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). Defendants intend for prospective consumers to rely on falsified positive reviews so that they decide to participate in Defendants program. endobj /Kids [8 0 R 9 0 R 10 0 R 11 0 R 12 0 R 13 0 R 14 0 R] Amount Settled: $0.00. /MediaBox [0 0 612 792] 17 0 obj This consumer had paid $3,616.80 to Defendants, but Defendants charged over 96% of these paymentsor $3,476.21 as fees. 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. /MediaBox [0 0 612 792] Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. endobj /Type /Page /Length 445 << Customer Reviews are not used in the calculation of BBB Rating, Need to file a complaint? The refund policy appears to exclude most aggrieved consumers. >> Violations of the DSCPA are also violations of the Illinois Consumer Fraud and Deceptive Business Practices Act. get quotes and more. /Type /Page << We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time and your results will likely vary. I feel that I can now reach my goal and make my life better in the near future. << /MediaBox [0 0 612 792] /Rotate 0 /Rotate 0 First, that program is most profitable for Defendants. WebMonday-Friday, 9AM - 5:30PM ET. << /Contents [234 0 R 235 0 R 236 0 R] /Parent 4 0 R << /Type /Page The Cohn Law Nothing in this website is to be construed as an offer for legal services. /Type /Page /Type /Page /Parent 8 0 R /Annots [] /Type /Page START REPORTING THEM TO THE ILLINOIS ATTORNEY GENERALS OFFICE 1-800-243-0618 AND BETTER BUSINESS BUREAU SO THEY CAN BE SHUT DOWN AGAIN. /Contents [158 0 R 159 0 R 160 0 R] For example, Monarch reserves the right to refuse to provide legal defense services if the client does not have to submit all pages of the subpoena, complaint, evidence, and briefs to Monarch and be filed within 15 or 7 days, depending on the state. Defendants tell consumers that they will not begin settling debts until consumers have made at least seven to nine months of payments. /Contents [230 0 R 231 0 R 232 0 R] /CropBox [0 0 612 792] Defendants include in the total used to calculate their Service Costs not only the enrolled debt at the time that the consumer signs an agreement but also the additional debts and fees that accrue after the consumer heeds Defendants instruction to stop making payments to creditors. Employee and customer online reviews suggest that Strategic works with as many as ten law firms:. /MediaBox [0 0 612 792] BBB Business Profiles may not be reproduced for sales or promotional purposes. /Parent 10 0 R Write reviews, ask and respond to questions, The majority pay is between $84,341 to $108,233 per year. 32 0 obj What Are Your Spending Habits? << BBB Business Profiles are provided solely to assist you in exercising your own best judgment. WebEmail this Business (212) 742-0001 File a Complaint Overview Monarch Law Group offers personal injury, commercial litigation, corporate law, matrimonial/family law and real /CropBox [0 0 612 792] /Contents [246 0 R 247 0 R 248 0 R] /F1 67 0 R >> Don't have an account? But the consumer informed Monarch of other expenses, including student loans. /Annots [] /Type /Pages On information and belief, Defendants do not care about consumers successful completion of the plan because their up-front fee structure allows them to make most of their profit during the first year of the payment program. 39 0 obj But when a consumer stops making payments to creditors, he or she is likely to face adverse effects, including (1) a sharp decrease in their credit score; (2) calls from collections agencies; (3) a rise in debt due to late fees and additional interest; and (4) lawsuits by creditors, who often seek to garnish wages and enforce judgments by other means. Resolution Sought On this page, you'll find a comprehensive collection of reviews and complaints from real customers who have used Monarch Media Group's products or services. /Length 493 The same can happen to you! Defendants Trick Consumers into Believing that Attorneys Will Negotiate their Debt Settlements, When that Work is Actually Performed by Non-Lawyer Contractors. But Defendants repeatedly break this promise and leave consumers to defend themselves in court, even though consumers pay hundreds to thousands of dollars in legal fees. /Rotate 0 /CropBox [0 0 612 792] 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. >> /Parent 9 0 R << The two contacts excerpted below identify James Katayanagi, an employee of Strategic subsidiary Finance Solutions, and Haider Salas, a former employee of Strategic Financial Solutions, as the consumers Law Firm Contact. Neither Katayanagi nor Salas are lawyers: [Before or concurrent with his employment at Finance Solutions, Katayanagi worked as a personal banker. /MediaBox [0 0 612 792] >> << /MediaBox [0 0 612 792] /Resources 85 0 R 64 0 obj To reduce its fee and finish the last two settlements! /MediaBox [0 0 612 792] /Rotate 0 << Read and understand all program materials prior to enrollment. We have since had to represent ourselves and take the lead on making sure they get the information not the other way around. We are seeing this action a lot more lately, Im surprised it was just the City of Chicago and not the CFPB or the FTC. /Type /Page << endobj /CropBox [0 0 612 792] 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. >> /CropBox [0 0 612 792] /Parent 9 0 R /Rotate 0 /Contents [270 0 R 271 0 R 272 0 R] /Contents [178 0 R 179 0 R 180 0 R] Furthermore, consumers do not even know that they are talking to Strategic employees. I was very nervous about making this move but I was reassured and put at ease with the way I was treated. >> Strategic drives these unfair and deceptive programs but uses its supposed law firm partners as a front to avoid regulation. >> WebHow many stars would you give Monarchlegalgroup? >> endobj 7 0 obj /Parent 8 0 R Anyone considering a lawyer should independently investigate the lawyers credentials and ability and should not rely upon advertisements or self-proclaimed expertise. For example, Defendants recorded and estimated a budget based on the fact that one Chicago consumer had only housing, food, and auto expenses. RESPONSE: Complaint was not answered /S /D After collecting those fees, Defendants revenue plummets. << Monarch Group, Inc. is a successful information technology firm offering a full range of IT services from planning and design to systems integration, from software development to business enterprise plans, from network design to hardware and software support, and from product reseller to disaster recovery. Pretty much every Debt Settlement regulatory attorney has warned against doing business this way but they never listen. WebGoogle Business Reviews Monarch Legal Group Reviews Google Business Reviews 5.0 5 5 out of 5 stars (based on 3 reviews) Excellent 100% Very good 0% Average 0% Poor 0% Terrible 0% Latest Reviews: Professionalism 5 Positive: Professionalism, Quality, Responsiveness, Value T M Great organization that helps people 5 endobj Indeed, Defendants might prefer for consumers to withdraw from the program after one year. Based on examples that the City has seen, the payment schedules include at least three omissions or deceptions. << Hi Miss Anne, Hopefully I have the courage to do what you did to get my refund also. /Annots [] On information and belief, Monarch and Strategic Financial Solutions primarily or even exclusively steer clients to the debt resolution program for two reasons. Answer your financial questions. Monarch retainer agreements identify Law Firm Contacts. Those contacts are not employed by Monarch, and instead work for Strategic or a related entity. The Citys investigation indicates that even when Defendants agents negotiate settlements with creditors on consumers behalf, they do not act in consumers best interest. 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. Strategic Financial Solutions also operates and/or works jointly with Timberline Financial, LLC, which lists the same office addresses as Strategic Financial Solutions on its website. Monarch Legal is unfortunately, a poorly run business that appears to be criminal in its handling of the client's money. << PAID ATTORNEY ADVERTISEMENT: Monarch Legal Group is a law firm. /Resources << Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. When, as is often the case, Defendants fail to refer the case to an outside lawyer, Defendants have refused to provide any representation. Regardless of how many times I have told your representatives over the phone to call Monarch Legal Group at 877-450-8853, they keep calling me and my wife. << WebComplaints for Monarch Legal Group. Defendants also assume the same settlement rate for all consumers without regard to the amount or type of consumers debts (for example, whether the bill has been sent to collections). >> >> /Annots [] To further reduce the likelihood of providing legal representation, Monarchs retainer agreements place severe restrictions on the provisions of those services. /Contents [206 0 R 207 0 R 208 0 R] 49 0 obj endobj /Resources 181 0 R The City of Chicago filed a lawsuit against Strategic Financial Solutions, Burnette Legal Group, Timothy Burnette, and Monarch Legal Group on July 26, 2022. 13 0 obj I didn't know how it works, so I was explained the details and the procedures of it. << | Read 21-40 Reviews out of 42. /Contents [226 0 R 227 0 R 228 0 R] /Annots [] >> /Annots [] /Annots [] /Parent 8 0 R << Phone (877) 450-8853. Read and understand all program materials prior to /CropBox [0 0 612 792] enquiries@monarchsolicitors.com. Overview Reviews About. /Contents [214 0 R 215 0 R 216 0 R] /Parent 9 0 R Write reviews, ask and respond to questions, - 1:22-cv-03705. /MediaBox [0 0 612 792] Well guide you through the process. These firms push consumers to enroll in programs with significant advance fees. /Type /Page 43 0 obj PAID ATTORNEY ADVERTISEMENT: /Contents [146 0 R 147 0 R 148 0 R] We help people file for bankruptcy relief under the Bankruptcy Code. /CropBox [0 0 612 792] Further evidencing Monarchs lack of responsiveness to customer concerns, the Better Business Bureau suspended Monarchs accreditation in 2021 for, among other things, failing to provide adequate responses to customer complaints. /Contents [250 0 R 251 0 R 252 0 R] /Parent 11 0 R /Parent 8 0 R Third, consumer debts with balances of less than $1,000 are ineligible for refunds. 37 0 obj /Annots [] Defendants make these representations in order to secure consumers participation in their debt resolution program. /Type /Page Of course, late fees and collection /Contents [126 0 R 127 0 R 128 0 R] /Resources 169 0 R << After the first 22 months, over 53% of this consumers payments were earmarked as going to the Service Cost.. /Resources 265 0 R Thank you Sir. endobj After the entry of judgment, Defendants negotiated a settlement. Two hours later I was informed that I was denied due to my debt to income ratio. 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. /Resources 281 0 R The Honest and Unvarnished Truth. The completed form will be automatically submitted to the State Inspector /Annots [] BBB reports on known marketplace practices. 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. >> >> We would greatly appreciate any guidance that we need to do at this point to recoup our money paid to them (almost 3 years worth). Consumers who are struggling with debt care very much about how much money they will be able to save, and Defendants knowingly overestimate those amounts. After an initial phone call, Defendants send paralegals or notaries from third-party companies to prospective consumers homes or those representatives conduct a presentation virtually. /CropBox [0 0 612 792] Defendants dramatically misstate the consumers estimated savings and program length. Copyright 2022 Monarch Legal Group Reviews. But the Citys investigation indicates that Strategics customer service team does not make attorneys available for client calls. endobj 14 0 obj /Contents [106 0 R 107 0 R 108 0 R] Many debt resolution (also called debt settlement or debt negotiation) firms target with significant credit card debt and promise to negotiate with their creditors to settle obligations for less than the consumers owe. /MediaBox [0 0 612 792] 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. endobj << Voice your opinion today and hear what 47 customers have already said. The agreement also provides that Monarch will advise and represent clients in their defense of litigation initiated by creditors or collectors[.