Product: Debt or credit management

In XX/XX/XXXX my husband XXXX XXXX signed a contract with Consumer Legal Group ( CLG ) for his debt with XXXX XXXX and XXXX XXXX. XXXX who is one of the mangers stated that within 2-4 months of signing up we will see some progress on this account. Meaning negotiations will start. He stated that we only have to pay them for 18 months and at the end of the contract then everything will be completed and we wont owe anything. 

In XXXX of XXXX my husband added my XXXX XXXX debt to his account. I signed the necessary documents. 

Meanwhile during that time weve continued to upload statements weve gotten in the mail from XXXX XXXX to the client portal. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX was subpoenaed to court. XXXX XXXX is suing me. I was concerned and had many questions. I called CLG immediately and had to leave a voicemail. I called multiple times. Then my husband starting call in on my behalf and left voicemails as well. No one answered in a week span and no returned our calls. I emailed them several times stating my concerns and told them I have questions about going to court. I didnt receive a call until in my email I threatened to report them to XXXX. 

In XX/XX/XXXX XXXX from the legal side called me and said that she has taken over my case and will make it a top priority. I told her that we dont trust this company anymore and we feel like we are being scammed. She stated that she will work on my behalf and for me not to worry. 

I told XXXX and we want to see proof of what they ( CLG ) has done for us. We want to see any progress or documentation from their side to the creditors. She asked me if XXXX, my husband, is still receiving any calls from the creditors. I told her yes. He is receiving calls and text multiple times a day. She told us thats harassment and for me to send her screenshots of the calls and text. She said she would send another cease and desist letter and it will stop. 

Throughout that week I called and emailed her multiple times stating my husband is still receiving calls. She told me that both of the XXXX XXXX accounts are under the same umbrella and that Im the primary account holder for those accounts. I told her no mama those are two separate accounts. One for me and one for my husband. Thats when I told her we want to see documentation of what theyve done. At this time she still havent sent anything to show me. 

My husband XXXX called the main line to ( CLG ) and spoke to an employee that transferred him to the manager. XXXX mentioned to the manager everything that I stated above and we are not happy. He told him we want to see proof of what they are doing on our behalf. Thats when the manager said it can take between 18-24 months to start seeing any progress. XXXX told him thats not what was said to us when we signed up with CLG. 

The next day XXXX sent the documentation we have been requesting. All that it consisted of was cease and desist letters for XXXX XXXX and myself XXXX XXXX XXXX. Also letters to the credit bureaus. On the dates we signed up with them. Thats all. 

I talked to XXXX and asked her about the documents for the negotiations. She said that is normally by phone. I asked her does she not memo the conversation then. If so, we want to see that. Again we are just wanting to see any progress being made on our behalf. I also stated I want to see the call logs then. And she said thats out of her department. 

My husband and I were not happy with what they presented us. It appears they arent doing anything. Thats when my husband called the main line at ( CLG ) and spoke with XXXX ( another manager ). 

XXXX stated its normal for the creditors to call. And they can call you up to 5 years. XXXX asked him then why did you send a cease and desist then. And weve paid over {$3000.00} for what. XXXX said that money weve paid so far has been for paperwork. 

We both were upset about the call with XXXX. And that obviously nothing is being done on our behalf. 

XXXX called the next day stating she finally has a settlement offer of me. One were I pay 75 % of the debt which would drop my total to {$4000.00} and monthly payments would be {$430.00} OR pay the whole debt {$6000.00} and my monthly payments being {$100.00} for 60 months. I told her thats not what I was expecting from their ( CLG ) side. We were told they can pretty much dismiss our debt next to nothing or if I do have to pay it would be very little due to hardship. 

We told her what XXXX stated about the calls from the creditors and she said that was her boss and she needed to confirm. She placed us on hold and got back with us and said it was a miscommunication. 

Thats when we finally had enough of this company. Everyone is saying different things. No one is on the same page. They are mixing up the accounts. Over half the time when we call no one answers and responds back to our calls. We only get generated emails. Nothing is upload to our client portal from their side. And they only starting working on my case with XXXX XXXX because XXXX, XXXX XXXX XXXX is being sued and it went to the legal department. 

We sent an email to CLG and I cc XXXX that we want to cancel our contract with them. 

My husband called XXXX XXXX and his XXXX XXXX account to set up arrangements to make payments directly to them. Thats when he learned that CLG isnt even on those accounts. CLG never even work on his accounts however took our monthly payments. 

I contacted XXXX XXXX for my account and was directed to XXXX XXXX  XXXX who represent them when suing customers. I talked to them and told them everything and asked what what I needed to do in order to avoid going to court. They said the needed a non-representation letter from CLG before we can move forward.

I emailed CLG stating that I needed a non-representation letter and still have not received a response. 


With all of this being said, we just want full refund of {$3500.00} of the payments we made since XX/XX/XXXX and a non-representation letter for my husband and I. Because we strongly believe they have not worked on our behalf ethically.