Apple Law Group Inc

In February complainant enrolled $41,in a debt negotiation program and agreed to payments of $651, but breached her contract and only made payments, then cancelledDespite her agreement not to do so, she continued to communicate with her creditors, and worse, make monthly payments to
them which nullified the hardship status necessary for settlementComplainant manipulated ALG to run interference for her with her creditors while she continued to pay them with the expectation she would cancel and obtain a full refund and obtain free services at our expenseA separate response has been mailed to the client

I hired Apple Law Group to consolidate credit cards in I went through their program and fulfilled the contract and payments which meant the credit cards were paid off, right? WRONG!! This company doesn't pay the credit cards a DIME! Over time the credit card companies issue a Charge Off which has a dismal effect on your credit Unfortunately I learned this the hard way This year(2016) I tried to buy a house I had negative blip on my credit which was from one of the credit cards from above I called the card company and stated this must've been a mistake, this was paid off back in They explained to me it was NEVER paid and it was a charge off that was never finalized After my call to them my credit sunk from to over night! Every day late charge was populated after that call Apple Law Group stated it wasn't on my credit(which was a lie..I had the credit report in from of me) Then they said they were finalizing it with the card company and getting a 1099-C form...which finalizes the charge off When I asked why wasn't this done in they had no answer They stopped returning my calls and blew me off My lender told me to take legal action which I'm still debating This whole debacle kept me from buying a house that I was under contract on AWFUL company!!!!!

I hired Apple to settle my $40K of credit card debt They did and with no hassles Their program works but you have to make the payments

Ms*** alleges Apple Law owes her a refund of all her
payments because Apple Law performed no services and caused her to file
bankruptcy. Her allegations are
denied.
On 4/8/Ms*** rejected bankruptcy and enrolled
approximately $37,of debt in a debt resolution
program and agreed to make
monthly payments of $468. On 4/8/
she was provided a sales presentation by a representative of the law firm and
afterwards willingly signed a Certification acknowledging that she understood
the program and her obligations under it She signed her contract and initialed every
page. She breached her contract and made
only payments over a month period, then cancelled services. payments were insufficient to enable the
accumulation of sufficient settlement savings to enable settlement of her
debts. She was previously refunded the
balance in her settlement savings account, the maximum refund allowed
While she was advised of the adverse consequences of continuing
to communicate with her creditors, she continued to do so, and, worse, made
payments to them thereby undermining Apple Law’s work and nullifying the
hardship status necessary for settlement
With regard to her allegation Apple Law performed no services,
that is falseWhile on her program Apple Law notified all enrolled creditors
of its representation, sent cease and desist letters, performed a validation
analysis, performed a statute of limitations analysis, responded as appropriate
to creditor calls and correspondence, responded as appropriate to her calls and
correspondence, ran interference for her with her creditors for months,
proposed and responded to creditor offers, and provided legal representation
for months
With regard to her allegation Apple Law caused her to file
bankruptcy, that is false: as of the date of this response no bankruptcy has
been filed. Ms*** chose debt
settlement as the means of resolving her debts and was advised of the risks,
costs, and consequences of premature termination of her program. For the foregoing reasons, there is no basis
for further refund

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
July 9, 2015*** **
*** *** ***
*** ** ***
*** ***The Apple Law Group- Law DeptBirch StSuite 3000Newport Beach, CA 92660Re: *** ** ***Debt ConsolidationTo Whom This May Concern:I am in receipt of your letter of 6/12/and check in the amount of $I am not accepting this checkI paidto Apple Law Group $3,The breakdown I received of funds is incredible since you have not done "one thing"to alleviate the debt.The Apple law Group never even had the interest charges stopped so that my debt was much more than when IstartedWhat is Maintenance Fees of $1,027? What were you maintaining?The Apple Law Group did not respond to ***, ***, *** and *** *** for which they were hired by*** to collect my debtTherefore, *** went ahead and had a court subpoena my saving~ and startedproceeding to dip into my checking account.I had no other recourse but to hire an outside lawyer, *** ***, ESQ, at a fee of $Due to your deception, Ihad to borrow from a family member to file bankruptcyI had no other recourse in the matter.I hired Apple law Group to consolidate my credit cards not to put me into a financial messI am a year olddisabled women, living on a fixed income and feel your company took total advantage of meI have informed thefollowing: Federal Trade Commission; Consumer Financial Protective Bureau; Revdex.com; Senator*** ***, NJ Senator; his assistant, *** ***; Councilman, *** ***, Jr; Senator *** ***,California; Senator *** ***I need for you to reevaluate the situation and come back with a complete and total refund.Sincerely,*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
July 9, *** ** *** *** ***
*** ** ***
*** ***
The Apple Law Group- Law DeptBirch StSuite 3000Newport Beach, CA 92660Re: *** ** ***Debt Consolidation
To Whom This May Concern:I am in receipt of your letter of 6/12/and check in the amount of $I am not accepting this checkI paidto Apple Law Group $3,The breakdown I received of funds is incredible since you have not done "one thing"to alleviate the debtThe Apple law Group never even had the interest charges stopped so that my debt was much more than when IstartedWhat is Maintenance Fees of $1,027? What were you maintaining?
The Apple Law Group did not respond to ***, ***, *** and *** *** for which they were hired by*** to collect my debtTherefore, *** went ahead and had a court subpoena my saving~ and startedproceeding to dip into my checking accountI had no other recourse but to hire an outside lawyer, *** ***, ESQ, at a fee of $Due to your deception, Ihad to borrow from a family member to file bankruptcyI had no other recourse in the matterI hired Apple law Group to consolidate my credit cards not to put me into a financial messI am a year olddisabled women, living on a fixed income and feel your company took total advantage of meI have informed thefollowing: Federal Trade Commission; Consumer Financial Protective Bureau; Revdex.com; Senator*** ***, NJ Senator; his assistant, *** ***; Councilman, *** ***, Jr; Senator *** ***,California; Senator *** ***
I need for you to reevaluate the situation and come back with a complete and total refund.Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
July 9, 2015*** ** *** *** ***
*** ** ***
*** ***The Apple Law Group- Law DeptBirch StSuite 3000Newport Beach, CA 92660Re: *** ** ***Debt ConsolidationTo Whom This May Concern:I am in receipt of your letter of 6/12/and check in the amount of $I am not accepting this checkI paidto Apple Law Group $3,The breakdown I received of funds is incredible since you have not done "one thing"to alleviate the debt.The Apple law Group never even had the interest charges stopped so that my debt was much more than when IstartedWhat is Maintenance Fees of $1,027? What were you maintaining?The Apple Law Group did not respond to ***, ***, *** and *** *** for which they were hired by*** to collect my debtTherefore, *** went ahead and had a court subpoena my saving~ and startedproceeding to dip into my checking account.I had no other recourse but to hire an outside lawyer, *** ***, ESQ, at a fee of $Due to your deception, Ihad to borrow from a family member to file bankruptcyI had no other recourse in the matter.I hired Apple law Group to consolidate my credit cards not to put me into a financial messI am a year olddisabled women, living on a fixed income and feel your company took total advantage of meI have informed thefollowing: Federal Trade Commission; Consumer Financial Protective Bureau; Revdex.com; Senator*** ***, NJ Senator; his assistant, *** ***; Councilman, *** ***, Jr; Senator *** ***,California; Senator *** ***I need for you to reevaluate the situation and come back with a complete and total refund.Sincerely,*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear
below
July 9, 2015*** ** *** *** ***
*** ** ***
*** ***
The Apple Law Group- Law DeptBirch StSuite 3000Newport Beach, CA 92660Re: *** ** ***Debt Consolidation
To Whom This May Concern:I am in receipt of your letter of 6/12/and check in the amount of $I am not accepting this checkI paidto Apple Law Group $3,The breakdown I received of funds is incredible since you have not done "one thing"to alleviate the debtThe Apple law Group never even had the interest charges stopped so that my debt was much more than when IstartedWhat is Maintenance Fees of $1,027? What were you maintaining?
The Apple Law Group did not respond to ***, ***, *** and *** *** for which they were hired by*** to collect my debtTherefore, *** went ahead and had a court subpoena my saving~ and startedproceeding to dip into my checking accountI had no other recourse but to hire an outside lawyer, *** ***, ESQ, at a fee of $Due to your deception, Ihad to borrow from a family member to file bankruptcyI had no other recourse in the matterI hired Apple law Group to consolidate my credit cards not to put me into a financial messI am a year olddisabled women, living on a fixed income and feel your company took total advantage of meI have informed thefollowing: Federal Trade Commission; Consumer Financial Protective Bureau; Revdex.com; Senator*** ***, NJ Senator; his assistant, *** ***; Councilman, *** ***, Jr; Senator *** ***,California; Senator *** ***
I need for you to reevaluate the situation and come back with a complete and total refund.Sincerely,
*** ***

RE: *** *** #***Gentlemen:We are responding to the above entitled complaintComplainant alleges Apple Law Group failed to resolve all his debt which caused him to be sued and have his wages garnished, that no work has been done on his account for one and one-half months, and that his calls go unansweredHis allegations are deniedWe have reviewed the facts of his case and find the information set forth below.Rejecting bankruptcy, he retained ALG to assist with his debt problems on July 24, He signed his contract and initialed every pageHe agreed to make monthly payments in the amount of $per month for months based upon his debt load in excess of $30,Parts of these payments were for savings, and other parts were for feesHe breached his contract and made only payments; his last payment was 8/2/16, months agopayments out of required payments were insufficient to enable the accumulation of sufficient settlement savings to enable settlement of his accountsRegardless, $20,723, or 69% of enrolled debt was resolved for $6,214, a savings of $14,509, or 70%, an outstanding result by any standard.The terms of the representation and fees associated with same were clearly and conspicuously disclosed prior to and upon retention, and were further explained in the text of the executed agreement with ALGHe was also advised through the aforementioned disclosures that legal action by his creditors, inclusive of summons, judgments, and garnishments, were a possibility, regardless of his representation by the law firmAt no time did he ever engage ALG for litigation defense on any claims, and Such was expressly disclosed to him in the documents he signed.To insure his understanding of his contract and the operation of his program, ALG performed several procedures.First, on 7/24/14, a representative of our law office and "debt presenter” for this purpose, met him in person and provided him a sales presentationAt the conclusion of the presentation he signed a Client Certification Form that stated our representative: 1) met him in person on 7/24/14, 2) provided him with copies of his contract, a Disclosure Form (which he acknowledged and executed) and Right to Cancel Form, 3) provided him a sales presentation, and answered all of his questions whereupon he attested in writing that “The presenter provided me a sales presentation, answered all of my questions and I feel that I have been adequately informed about the debt settlement program,” and 4)"I signed the debt settlement contract and enrolled in the program of my own volition without any pressure or counsel from the debt presenter.” Accordingly, he willingly acknowledged and confirmed his understanding of the operation of his program, the costs, and the risks.Second, on 6/16/14, a representative of our law office conducted a documented compliance call with him wherein he answered “Yes” to separate questions including: You understand you will be charged fees in accordance with your contract, You understand the law firm will use all means considered necessary to resolve your debt, You understand that continuing to engage in communication with your creditors or making payments to them can undermine or even nullify the results of your program, You understand there are no refunds except for the amounts, if any, in your trust account, You understand if you do not make the required number of payments none of your debts may be resolved and there may be no settlement savings to refund You understand the law firm does not make periodic payments to your creditors, it proposes settlement payments once you have accumulated sufficient funds in your trust account, You understand the law firm does not represent you in litigation unless specifically engaged for that purposeAccordingly, he again acknowledged his understanding of his program and its operation.With regard to his allegation ALG did not resolve all his debt, that is true because he made only of required payments, an insufficient number to enable resolution of all his accountsRegardless, as previously stated $20,or 69% of enrolled debt was resolved for $6,214, a savings of $14,509, or 70%.With regard to his allegation ALG's failure to resolve his debt caused him to be sued and his wages garnishment, that is falseHe made only of required payments, an insufficient number to resolve all his debtIn addition, while he agreed not to, he continued to communicate with and, worse, make payments to his creditors which nullified his hardship status necessary for settlementOur records show he made payments to US Bank #*** on 3/26/and Citi #*** on 2/5/Such payments broadcasted to all his creditors he had the financial capacity to pay them and may be the reason he was sued.With regard to his allegation no work has been done on his account for months, that is true because he has made no payments for monthsWith regard to his allegation his calls have gone unanswered, that is falseMr*** is seeking to complain his way into free services at our expense.While on his program ALG notified all enrolled creditors of its representation, sent cease and desist letters, responded as appropriate to his communications, responded as appropriate to creditor communications, performed a validation analysis, performed a statute of limitations analysis, proposed and/or responded to various settlement offers, ran interference for him with his creditors for months, provided him legal representation for months, resolved litigation in re: *** *** v*** ***, case no*** with a claim of $7,for $5,598, and managed other aspects of his programHe was sued a second time by *** *** *** but refused to provide us a copy of the lawsuit to enable us to settle it; consequently, it went into judgment and resulted in a wage garnishmentFor the foregoing reasons, there is no basis to his complaint.Sincerel*** ? Administration EC:rk

We are responding to the above-entitled complaint
Mr[redacted] Apple Law performed no services, did not resolve his debts, and is entitled to a refund of his paymentsHis allegations are deniedRejecting bankruptcy, Mr[redacted] retained ALG to assist with his debt problems on January 27, He signed his contract and initialed every pageHe agreed to make monthly payments in the amount of $per month for months based upon his debt load in excess of $23,Parts of these payments were for savings, and other parts were for feesHe breached his contract and made only payments, less than one-third of those required, then cancelled servicespayments out of required payments were insufficient to enable the accumulation of sufficient settlement savings to enable settlement of his accountsThe terms of the representation and fees associated with same were clearly and conspicuously disclosed prior to and upon retention, and were further explained in the text of the executed agreement with ALGTo insure his understanding of his contract and the operation of his program, ALG performed several proceduresFirst, on 1/27/15, Mr[redacted], a representative of our law office and "debt presenter" for this purpose, met Mr[redacted] in person and provided him a sales presentationAt the conclusion of the presentation he signed a Client Certification Form that stated Mr[redacted]: 1) met Mr[redacted] in person on 1/27/15, 2) provided him with copies of his contract, a Disclosure Form (which he acknowledged and executed) and Right to Cancel Form, 3) provided him a sales presentation, and answered all of his questions whereupon he attested in writing that "The presenter provided me a sales presentation, answered all of my questions and I feel that I have been adequately informed about the debt settlement program, " and 4) "I signed the debt settlement contract and enrolled in the program of

Ms. [redacted] complains that no services were performed and as a result of her participation in her debt negotiation program her credit score declined, some of her accounts were turned over to collection agencies, that she made 24 payments, and that she received no refund. Her allegations are...

denied.In December 2014 Ms. [redacted] enrolled $22,000 in a debt negotiation program and agreed to make monthly payments of $391 for 42 months. She signed her contract and initialed every page, as well as a Certification acknowledging she understood the program, its operation, the fees, and her responsibilities. She breached her contract and made only 14 payments, not the 24 payments she erroneously claimed in her complaint, then cancelled services. 14 payments were insufficient to enable the resolution of her aCCOuntS.With regard to her allegation her credit score declined, she was contractually informed up front that was a possibility. With regard to her allegation some of her accounts were turned over to collection, that is false; in fact, at least one of her enrolled accounts was already in collection at the time of her enrollment. With regard to her allegation no services were performed, that is false. Services performed include notification of all enrolled creditors of our representation, sending cease and desist letters, performing a validation analysis, performing a statute of limitations analysis, responding as appropriate to her communications, responding as appropriate to creditor communications, running interference for her with her creditors and providing her legal representation for 14 months, and resolving $6,761.16 of her debt for $1,492.28, a savings of $5,268.88 or 78%, and managing other aspects of her program.While she agreed not to communicate with her creditors while in the program, she continued to do so, and, worse, made payments to them, thereby nullifying the hardship status required for settlement and demonstrating that she misrepresented her hardship status to the law firm upon enrollment with the expectation of having the law firm run interference for her with her creditors and later cancelling services and demanding a refund in order to obtain free services at our expense.On 6/13/16 we responded to Ms. [redacted]'s request for refund along with an explanation of services performed. In that communication we refunded the balance in hersettlement savings account, the maximum amount to which she is contractually entitled. Accordingly, there is no basis for further refund.

We are responding to the above complaint. We point out on 8/15/17 we resolved all issues with Mr. [redacted] who accepted $1,837 as a refund and provided us a fully executed release. A review of the facts of his case appears below.Mr. [redacted] alleges he is entitled to a refund of the amounts he paid...

under his debt negotiation program because no services were performed. His allegation is denied.Rejecting bankruptcy, he retained ALG to assist with his debt problems in or about March 2014. He signed his contract and initialed every page. He agreed to make monthly payments in the amount of $500 per month for 46 months based upon his debt load in excess of $31,000. Parts of these payments were for savings, and other parts were for fees. He made 24 payments over a 41 month period then cancelled services. 24 payments out of 46 required payments were insufficient to enable the accumulation of sufficient settlement savings to enable settlement of his accounts, Regardless, ALG resolved his $3,895 balance with Citibank for $1,463, a savings of $2,232.The terms of the representation and fees associated with same were clearly and conspicuously disclosed prior to and upon retention, and were further explained in the text of the executed agreement with ALG. He was also advised through the aforementioned disclosures that legal action by his creditors, inclusive of summons, judgments, and garnishments, were a possibility, regardless of his representation by the law firm. At no time did he ever engage ALG for litigation defense on any claims, and such was expressly disclosed to him in the documents he signed.To insure his understanding of his contract and the operation of his program, ALG performed several procedures.First, prior to enrollment, a representative of our law office met him in person and provided him a sales presentation. At the conclusion of the presentation he signed a Client Certification Form that stated our representative 1) met you in person, 2) provided him with copies of his contract, a Disclosure Form (which he acknowledged and executed) and Right to Cancel Form, 3) provided him a sales presentation, and answered all of his questions whereupon he attested in writing that "The presenter provided me a sales presentation, answered all of my questions and I feel that I have been adequately informed about the debt settlement program,” and 4) “I signed the debt settlement contract and enrolled in the program of my own volition without any pressure or counsel from the debt presenter.” Accordingly, he willingly acknowledged and confirmed your understanding of the operation of your program, the costs, and the risks.Second, of our law office subsequently conducted a documented compliance call with him wherein he answered "Yes' to 28 separate questions including You understand you will be charged fees in accordance with your contract, You understand the law firm will use all means considered necessary to resolve your debt, You understand that continuing to engage in communication with your creditors or making payments to them can undermine or even nullify the results of your program, You understand there are no refunds except for the amounts, if any, in your trust account You understand if you do not make the required number of payments none of your debts may be resolved and there may be no settlement savings to refund You understand the law firm does not make periodic payments to your creditors, it proposes settlement payments once you have accumulated sufficient funds in your trust account. Accordingly, he again acknowledged you understanding of your program and its operation.With regard to his allegation no services were performed, that is false. While on his program ALG notified all enrolled creditors of its representation, sent cease and desist letters, responded as appropriate to his communications, responded as appropriate to creditor communications, performed a validation analysis, performed a statute of limitations analysis, proposed and/or responded to various settlement offers, ran interference for him with your creditors for 41 months, provided him legal representation for 41 months, resolved his $3,895 balance with Citibank for $1,463, a savings of $2,232, and managed other aspects of his program.As previously stated, on 8/15/17 we resolved the issues with Mr. [redacted] who accepted $1,837 as a refund and provided us a fully executed release.[redacted] Administration AH:rk

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
My reason for cancelling and wanting a full refund from your company is because of your lack of communication with me and my creditors and your company not doing the job that I signed an agreement for. You are correct, when I signed the contract on Oct 16, 2014 I signed with the understanding that you all would help me with my financial hardship by consolidating all of my debt into one bill versus several bills with high interest rates. While paying you all, you'd be paying down/off my debt with my creditors. After several phone calls from debt collectors and collection agencies, I tried calling and emailing your company for advise which was never received. I received a couple of emails back stating *This is an auto response to confirm receipt of your email. Your request will be handle within 48hours* but I never received any response back until I finally decided to stop payment on my account and cancel. Now I'm hearing from people I never heard of. I've contacted you all in regards to my bank account changing due to it being hacked, I've sent in written requests to have my billing cycle date change but yet you make it seem like I've missed payments purposely. According to your billing statement that I'm also just seeing for the first time, you still charged me for my Sears creditor that I specifically sent a written correspondence asking you all to remove them from my account. You also charged me for receiving and signing for that creditor (Sears) to be removed but yet you say I continued paying on my debt after signing up with you for a hardship. Your company put me in an uncomfortable position by not contacting me with advise on how to deal with creditors calling and threating to take me to court unless I pay something so I paid $20 here and there to get them off my back (which was your job). I also asked for proof that you responded to my creditors and I still have not received any. A billing statement that you can write up in a matter of minutes is not proof. Proof would be correspondence from you to my creditors and them responding back to you. So therefore you still haven't fulfilled that request either. You can continue writing your responses by the fact is that you all have poor customer service which caused me to feel I had been scammed and now want a full refund for services that I haven't received. I will take this further to small claims court if needed.
Regards,
[redacted]

Complainant falsely claims she did not receive a response from us with regard to her...

account, yet she states “I have been mailed only $331 back.” Such statement constitutes admission she received our response dated April 25, 2016, a copy of which is enclosed herein which included her refund of $331, the balance in her settlement savings account, the maximum refund allowed based on the contract she signed and agreed to, a copy of her Account Statement and Billing Summary, and demonstrates she has been untruthful in her complaint. Accordingly, her complaint has no credibility, is baseless, and should be dismissed.
Complainant enrolled approximately $15,000 in a debt negotiation program and agreed to 42 payments of $297. She signed her contract and initialed every page. She breached her contract and made only 11 payments, only 27% of those required, over 17 months which included 3 NSF payments and 3 skipped payments. 11 payments were insufficient to enable the accumulation of sufficient settlement savings to enable settlement of her accounts. On 10/16/14, a law office representative meet with her and provided her a sales presentation, after which she signed a Client Certification that confirmed she understood her program and was adequately informed about its operation. To confirm her understanding of her program ALG also conducted a documented compliance call with her wherein she responded affirmatively to 28 separate questions that confirmed she understood how her program operates and her obligations under it.
While she was advised of the adverse consequences of continuing to communicate with her creditors, she continued to do so, and, worse, made payments to them, thereby nullifying her hardship status necessary for settlement. Based on these payments, she misrepresented her hardship status to the law firm in order to manipulate the law firm to buy time and run interference for her with her creditors, all the while with the intention of later cancelling services, demanding a refund, and obtaining free services at our expense.
In order to extort a refund, Complainant reported she contacted various news stations and told them the law firm was a fraud.
Complainant rejected bankruptcy and chose debt negotiation as her preferred method of resolving her debts and was clearly advised of her fees and obligations under her
program.
For the foregoing reasons there is no basis for further refund.
Sincerely,
[redacted] [redacted]

Ms. [redacted] alleges Apple Law owes her a refund of all her
payments because Apple Law performed no services and caused her to file
bankruptcy.  Her allegations are
denied. 
class="MsoNormal">On 4/8/15 Ms. [redacted] rejected bankruptcy and enrolled
approximately $37,000 of debt in a debt resolution program and agreed to make
52 monthly payments of $468.  On 4/8/15
she was provided a sales presentation by a representative of the law firm and
afterwards willingly signed a Certification acknowledging that she understood
the program and her obligations under it.   She signed her contract and initialed every
page.  She breached her contract and made
only 8 payments over a 9 month period, then cancelled services.  8 payments were insufficient to enable the
accumulation of sufficient settlement savings to enable settlement of her
debts.  She was previously refunded the
balance in her settlement savings account, the maximum refund allowed.
While she was advised of the adverse consequences of continuing
to communicate with her creditors, she continued to do so, and, worse, made
payments to them thereby undermining Apple Law’s work and nullifying the
hardship status necessary for settlement.
With regard to her allegation Apple Law performed no services,
that is false. While on her program Apple Law notified all enrolled creditors
of its representation, sent cease and desist letters, performed a validation
analysis, performed a statute of limitations analysis, responded as appropriate
to creditor calls and correspondence, responded as appropriate to her calls and
correspondence, ran interference for her with her creditors for 9 months,
proposed and responded to creditor offers, and provided legal representation
for 9 months.
With regard to her allegation Apple Law caused her to file
bankruptcy, that is false: as of the date of this response no bankruptcy has
been filed.  Ms. [redacted] chose debt
settlement as the means of resolving her debts and was advised of the risks,
costs, and consequences of premature termination of her program.  For the foregoing reasons, there is no basis
for further refund.

Subject: Response to Complaint ID: [redacted]; [redacted], [redacted]
12.8px; font-family: arial, sans-serif;">Ms. [redacted] enrolled $40,000 in a debt settlement program in October 2014. She signed her contract and initialed each page. She agreed to make 32 payments of $808 but only made 2 payments then cancelled. Part of these payments were for fees and part for a settlement savings account used to settle debts. Having made only 2 payments prevented the accumulation of sufficient savings to enable settlement of her debts. 
Ms. [redacted] confirmed her understanding of the operation of the program in a recorded compliance call on 11/19/14 wherein she responded affirmatively to 28 separate questions, signed and initialed each page of her contract, and had an in-person sales presentation conducted wherein she confirmed her understanding of the operation of her program and the consequences of premature termination of services. She acknowledged that any refund in the event of premature termination of services was limited to the the amount in her settlement savings account. This was refunded on 1/20/15.
Ms. [redacted] was informed in writing via her contract and in her compliance call that military personnel who participate in the program run a risk that her participation in a debt settlement program could have a negative effect up on their military service. She falsely alleges ALG informed her that since she in the military she cannot be in the program, an excuse to cancel services. Military personnel are allowed in the program but must be aware of possible repercussions form their employer if they do not pay their debts. 
There is no basis for further refund.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it...

does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Complaint Type:Contract IssuesselectProblem:They are not abiding by the contract. I now have multiple lawsuits and just had over $1,000 took directly out of my bank account by one of the credit card companies who Apple Law Group was suppose to settle with since December of 2016. Requested a refund of all the money they took out of my account ($7,000+) ASAP. Was told it would take 60-90 days. Lawsuits need the money now! I cannot use my bank account because I'm afraid to put money in the account because it could be taken by the credit card company. They even took money out of my business account and I cannot conduct business, pay bills, rent equipment needed, etc.Translate Desired Resolution / OutcomeDesired Resolution:RefundselectDesired Outcome:Refund all the money taken out of my bank account.  
Regards,
[redacted]

Client's allegations are false and absent of credibility. Client agreed to make 36 monthly payments of $261.07 for 36 months but made only 13 payments then breached her contract and cancelled services. She failed to provide us a copy of a lawsuit for six months by which time the debt became a judgment. While she agreed not to, she continued to make payments to her creditors which nullified the hardship requirement needed for settlement. She attempted to extort a refund and filed a bankruptcy which omitted our refund which is required disclosure. For the foregoing reasons the complaint has no credibility and should be dismissed.

Complainant falsely claims she did not receive a response from us with regard to her account, yet she states “I have been mailed only $331 back.” Such statement constitutes admission she received our response dated April 25, 2016, a copy of which is enclosed herein which included her refund of $331,...

the balance in her settlement savings account, the maximum refund allowed based on the contract she signed and agreed to, a copy of her Account Statement and Billing Summary, and demonstrates she has been untruthful in her complaint. Accordingly, her complaint has no credibility, is baseless, and should be dismissed.Complainant enrolled approximately $15,000 in a debt negotiation program and agreed to 42 payments of $297. She signed her contract and initialed every page. She breached her contract and made only 11 payments, only 27% of those required, over 17 months which included 3 NSF payments and 3 skipped payments. 11 payments were insufficient to enable the accumulation of sufficient settlement savings to enable settlement of her accounts. On 10/16/14, a law office representative meet with her and provided her a sales presentation, after which she signed a Client Certification that confirmed she understood her program and was adequately informed about its operation. To confirm her understanding of her program ALG also conducted a documented compliance call with her wherein she responded affirmatively to 28 separate questions that confirmed she understood how her program operates and her obligations under it.While she was advised of the adverse consequences of continuing to communicate with her creditors, she continued to do so, and, worse, made payments to them, thereby nullifying her hardship status necessary for settlement. Based on these payments, she misrepresented her hardship status to the law firm in order to manipulate the law firm to buy time and run interference for her with her creditors, all the while with the intention of later cancelling services, demanding a refund, and obtaining free services at our expense. In order to extort a refund, Complainant reported she contacted various news stations and told them the law firm was a fraud.Complainant rejected bankruptcy and chose debt negotiation as her preferred method of resolving her debts and was clearly advised of her fees and obligations under herprogram.For the foregoing reasons there is no basis for further refund.Sincerely,[redacted]