Apple Law Group

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 I did not understand ALG would keep my money in separate accountsor just keep my money for 2-years before doing anything with itwhy would ALG take attorney fees if they didn't do anything! just look at all the complaints on ALGthat explains everythingI want my hard earned money back! ALG is a rip-off! 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 Regards, I gave them $10,and they kept all my money they refunded me $1,lucky about that but I still want my rest of my money [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>On 4/8/Ms [redacted] rejected bankruptcy and enrolled approximately $37,of debt in a debt resolution program and agreed to make monthly payments of $ 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 [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

[redacted] , [redacted] Revdex.com COMPLAINT # [redacted] On 10/27/Mr [redacted] enrolled in a debt negotiation program that required payments of $ He signed his contract and initialed every page He breached his contract and made only payments then canceled services payments were insufficient to enable the accumulation of sufficient settlement savings to enable settlement Prior to enrollment, on 10/27/he was provided an in-person sales presentation at the conclusion of which he signed a Certification indicating he understood the operation of the program and his responsibility to complete the payments On 1/27/in a recorded compliance call with our office, he confirmed his understanding of the program by responding to separate questions including "You understand if you fail to make your required program payments none of your debts may be settled and there may be no settlement savings to refund;" and "You understand any refund is limited to the amount, if any, in your settlement savings account."Mr [redacted] agreed not to communicate with or make payments to his creditors while on his program but he did so anyway, thereby nullifying the hardship status necessary for settlement He made payments to FNB Omaha #on 10/20/15, [redacted] on 10/16/15, Wells Fargo #on 9/27/15, and [redacted] # [redacted] on 9/26/15.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, evaluated application of validation techniques as considered appropriate, evaluated application of the statute of limitations as considered appropriate, ran interference for him with his creditors for months, provided him legal representation for months, and managed other aspects of his programOn 10/14/Mr [redacted] was sent the balance in his settlement savings account

Complainant falsely claims she did not receive a response from us with regard to her account, yet she states “I have been mailed only $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 complaintAccordingly, her complaint has no credibility, is baseless, and should be dismissedComplainant enrolled approximately $15,in a debt negotiation program and agreed to payments of $She signed her contract and initialed every pageShe breached her contract and made only payments, only 27% of those required, over months which included NSF payments and skipped paymentspayments were insufficient to enable the accumulation of sufficient settlement savings to enable settlement of her accountsOn 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 operationTo confirm her understanding of her program ALG also conducted a documented compliance call with her wherein she responded affirmatively to separate questions that confirmed she understood how her program operates and her obligations under itWhile 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 settlementBased 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 fraudComplainant 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 programFor the foregoing reasons there is no basis for further refundSincerely, [redacted]

We at Roncor Group have resolved client concerns

We are responding to the above-entitled complaintMr [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

Client's allegations are and absent of credibilityClient agreed to make monthly payments of $for months but made only payments then breached her contract and cancelled servicesShe failed to provide us a copy of a lawsuit for six months by which time the debt became a judgmentWhile she agreed not to, she continued to make payments to her creditors which nullified the hardship requirement needed for settlementShe attempted to extort a refund and filed a bankruptcy which omitted our refund which is required disclosureFor the foregoing reasons the complaint has no credibility and should be dismissed

[redacted] , [redacted] Revdex.com COMPLAINT # [redacted] On 10/27/Mr [redacted] enrolled in a debt negotiation program that required payments of $ He signed his contract and initialed every page He breached his contract and made only payments then canceled services payments were insufficient to enable the accumulation of sufficient settlement savings to enable settlement Prior to enrollment, on 10/27/he was provided an in-person sales presentation at the conclusion of which he signed a Certification indicating he understood the operation of the program and his responsibility to complete the payments On 1/27/in a recorded compliance call with our office, he confirmed his understanding of the program by responding to separate questions including "You understand if you fail to make your required program payments none of your debts may be settled and there may be no settlement savings to refund;" and "You understand any refund is limited to the amount, if any, in your settlement savings account." Mr [redacted] agreed not to communicate with or make payments to his creditors while on his program but he did so anyway, thereby nullifying the hardship status necessary for settlement He made payments to FNB Omaha #on 10/20/15, [redacted] on 10/16/15, Wells Fargo #on 9/27/15, and [redacted] # [redacted] on 9/26/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, evaluated application of validation techniques as considered appropriate, evaluated application of the statute of limitations as considered appropriate, ran interference for him with his creditors for months, provided him legal representation for months, and managed other aspects of his program On 10/14/Mr [redacted] was sent the balance in his settlement savings account

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 payments, and that she received no refundHer allegations are deniedIn December Ms [redacted] enrolled $22,in a debt negotiation program and agreed to make monthly payments of $for monthsShe signed her contract and initialed every page, as well as a Certification acknowledging she understood the program, its operation, the fees, and her responsibilitiesShe breached her contract and made only payments, not the payments she erroneously claimed in her complaint, then cancelled servicespayments were insufficient to enable the resolution of her aCCOuntSWith regard to her allegation her credit score declined, she was contractually informed up front that was a possibilityWith 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 enrollmentWith regard to her allegation no services were performed, that is falseServices 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 months, and resolving $6,of her debt for $1,492.28, a savings of $5,or 78%, and managing other aspects of her programWhile 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 expenseOn 6/13/we responded to Ms [redacted] 's request for refund along with an explanation of services performedIn that communication we refunded the balance in her settlement savings account, the maximum amount to which she is contractually entitledAccordingly, 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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I did not understand ALG would keep my money in separate accountsor just keep my money for 2-years before doing anything with itwhy would ALG take attorney fees if they didn't do anything! just look at all the complaints on ALGthat explains everythingI want my hard earned money back! ALG is a rip-off! 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 Good Morning Mrs***, Below is the response I attempted to enter on the response form and attached is the attachment that goes with it Thanks so much 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 complaintFor your reference, details of the offer I reviewed appear below When I made the decision to consolidate my debt, I made it at a desperate time and by trusting that I was working with an honest and trustworthy companyI called the representative that I worked with several times explaining I was worried about my credit, should I pay my debts while they are "negotiating," asking him to explain everything again because I was so concernedI was told that debt consolidation is hurtful to your credit (i.e., poor credit rating) but a better alternative than delinquency and bankruptcyIf they have recording of these conversations I would gladly give them permission to let you hear themThe representative continued to tell me, "the attorneys are doing their jobs, talking to the companies and trying to come up with the best negotiation possibleThey won't do anything without speaking with you firstIf the calls from the companies have stopped then they are doing their jobs." I explained the calls hadn't stopped and he went on to reiterate "the attorneys are doing their jobs" and that I should not answer my phone, pay these companies, since they are in negotiationsSo I didn't On April 29, 2015, I spoke with a representative of my bank at [redacted] Credit Union due to a separate situation that concerned my professional licenseDuring this conversation I was asked about my credit cardI am a y/o mother, professional and responsible human being, so what was I to do? Cover my ears say "I'm not listening." I simply told the [redacted] representative, I am working with a debt consolidation company who is in touch with you guys and in negotiations and I'm just waiting for an agreement, further explaining that I was not supposed to speak with them about itThis is when I became aware of the fact that Apple Law Group had NEVER contacted [redacted] and I was late, reported to the credit bureaus, etcI was in shock and I left several messages for the "representative" that I spoke with from the beginning, to no availSo yes I called the other credit card companies to see if they had ever been contacted by Apple Law Group to see if what I was being told was true and I was informed by each of them that they HAD NEVER SPOKEN TO APPLE LAW GROUP, NOR BEEN CONTACTED BY THEMSo afterApril 29, I began to try to reach agreements with each of them myself to fix what had been donePlease note in their letter to me that the dates that I contacted my credit card companies are after theApril 29thdate that I have indicatedSince it was apparent I was not getting what I was being told I was getting, what I had paid for and the representative from their company was not returning my calls I absolutely put a stop to my payments because there was no reason to pay them or remain in contract with them After making my complaint with the Revdex.com I received the nastiest letter from Apple Law Group (please see attached) basically threatening to take legal actions against me if I continue to pursue them to do the right thingIn this letter they refer to me as a bully for asking for my money backInterestingly, they are the one's acting like bullies by taking on a weaker person to steal their "lunch money," if you willWhat do I have to gain by making an already horrible situation (i.e., a nasty divorce) into a nastier situation by ruining my credit and battling an office full of attorney's? I'm not asking for anything more than what I gave, so what would my purpose be? They may see my payments as no big deal, but dollars is a lot to a single mother of 3, who is trying to hold her life togetherAdditionally, it is important to note that the "representative" they refer to in their letter, [redacted] ***, which they sent to my home was simply a notary who shrugged his shoulder when asked any questions explaining "I'm just the notary." Mr [redacted] spent no more than minutes in my home, he saw the disarray I was dealing with (i.e., moving truck, people everywhere, etc), he was most certainly not a "representative of our law office and 'debt presenter' for this purpose," to meet with me to provide a "sales presentation." I do not believe I will get the remainder of my money back from the Apple Law Group although I deserve it, but I do hope they never do this to anyone else and instead of threatening me and bullying people like me out of dollars here and there, if they believe they are correct then maybe they should take on someone their own size and speak with the following companies, whom I believe 100% when they say they never heard from Apple Law Group: Citibank, American Express, [redacted] Credit Union, FNB Omaha, etcIn essence Apple Law Group is saying these companies are lying, which seems pretty bizarre that each of these well respected and independent companies would be making up the same lieIn their response to the Revdex.com they claim I'm manipulating their company for free services? What did they do for me????? Yes I want and deserve my money backIn its entirety, not just the two payments, but the payment for the notary, etc 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 $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 complaintAccordingly, her complaint has no credibility, is baseless, and should be dismissed.Complainant enrolled approximately $15,in a debt negotiation program and agreed to payments of $She signed her contract and initialed every pageShe breached her contract and made only payments, only 27% of those required, over months which included NSF payments and skipped paymentspayments were insufficient to enable the accumulation of sufficient settlement savings to enable settlement of her accountsOn 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 operationTo confirm her understanding of her program ALG also conducted a documented compliance call with her wherein she responded affirmatively to 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 settlementBased 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 expenseIn 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]

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 contractI now have multiple lawsuits and just had over $1,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 Requested a refund of all the money they took out of my account ($7,000+) ASAPWas told it would take 60-daysLawsuits 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 companyThey 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]