Moore Legal Center PC

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.1- If it is "completely inaccurate" to say that my money would be refunded in the event that I cancel my program, it should NEVER be presented as such as it was to me [redacted] absolutely stated this was fact which is one of the biggest reasons I moved forward with this company.2- I was told the FIRST settlement was with [redacted] as the company tries to settle the largest accounts first to prevent legal actionsI was not told about the [redacted] settlement until January of when the company asked me to increase my monthy withdrawal to cover the [redacted] accountNot one [redacted] payment was ever sent but I continued to pay the extra $87/monthWhere did my $87/month go?3-Regarding the draft date change from 23rd to 28th of each month- NEVER once was it told to me that it would affect my settlementsI had been dealing with " [redacted] " when it came to my draft changeWhen it was later brought to my attention after making the change that it affected my [redacted] settlement and settlement was lost, I asked, "Why didn't [redacted] disclose this to me before I changed my draft date?" They said, "All I can tell you is [redacted] no longer works with us." If I would have been porperly informed that my actions affected my settlement, I would not have made the decision to change my draft dateI didn't even know I lost the [redacted] settlement until I canceled in MayWhere did my extra $go all those months with no settlement in place4- The woman that gave me the email information to cancel the program absolutely encouraged bankruptcyListen to the phone recordings.5-The phone number I called several times no longer worksUnfortunately I do not have the number available to me right now but can provide it at a later date if needed6- I see no rating for [redacted] and Moore with Revdex.com7- Is [redacted] and Moore licensed to work in Minnesota? Regards, [redacted]

***, We have sent you the settlement letters regarding your accounts several times and explained to you Portfolio Recovery Associates does not send settlement lettersYou will have to request some sort of settled in full or settlement letter from Portfolio Recovery Associates directly
I have also would like you to refer back to your contract on Page section which continues on to page showing that you agree to a $Legal Deposit as well as 20% of the total enrolled debt as fee'sThis paragraph also states that you agree to a $monthly service fee on your accountYou may also refer back to the Global Client Solutions Dedicated account agreement at the end of your contractThe final page of this agreement shows a breakdown of fee's that Global Client Solutions charges on the right hand side of the pagePlease let me know if you have any further questions regarding your signed contract. Thank you,

The consumer's account balance is refunded upon cancellation but that does not equate to a full refundPlease refer to your signed contract on page, section for clarification on fees, costs and refunds. The settlements were made within two weeks from each other (they were both provided in the original correspondence.) Actually, a payment was sent to *** but we ended up having to reverse it because they could not honor the new payment dates once your draft was changedI have attached the full transaction history for the complainant to show where everything has been accounted for. We do not, and have never had, an employee by the name of ***You spoke to a Customer Service Manager on 12/27/at 12:35pm after we had left several voicemails explaining that we could not change your draft date without putting both settlements in jeopardyThe note from the Customer Service manager stated: "finally got a hold of the client, she does not wish to keep her drafts on the 23rd to keep her settlementsI let her know they will both be voided." You have not been a client of ours for over years and call recordings are not stored for that long. We are not aware of what phone number you were attempting.You stated "now they are not on Revdex.com" and we are (http://www.Revdex.com.org/western-michigan/business-reviews/credit-and-debt-cou...⇄ but we do not have a rating because we changed our name several years ago and no longer do business as *** and Moore, P.C. We are licensed to work in Minnesota along with other states. Thank you

The complainant signed a contract with our company in May of 2012 for debt resolution services. We do not offer a 100% money back guarantee because we need to be paid for our services so the statement "The person I originally spoke with about debt settlement that I could
cancel the program at any...

time and get all of my money back excluding of course
the money already distributed to collectors" is completely inaccurate and nowhere in the contract does it state that. The complainant's draft breakdowns are correct except the last payment made into the program was on 4/4/13 in the amount of $641.08. The May payment was returned to us due to insufficient funds. The complainant paid a total of $5,247.72 along with a $500.00 legal deposit. The first settlement that we obtained was with [redacted] for 40% of the balance (saving the complainant $1,832.53.) The second settlement that we obtained for the complainant was with [redacted] for 45% of the balance (saving the complainant $5,544.80.) Unfortunately, we could not complete either settlement because the client changed her draft from the 23rd of the month (as originally agreed to) out to the 28th of the month. She refused to keep it on the date as originally agreed to even though she would risk losing both settlements. We were able to renegotiate the [redacted] account to work with the new draft date but we could not complete that either because the client canceled the program prematurely. We also made four payments to [redacted] ($962.00 on 1/10/2013, $352.00 on 2/10/2013, $352.00 on 3/10/2013 and $352.00 on 4/10/2013) before the complainant canceled in May 2013. We always try to work with our clients as much as possible but if a settlement arrangement is in place and changing or skipping a draft will affect that settlement arrangement we advise strongly against doing so. We never suggest filing for Bankruptcy to one of our clients. Our program is an alternative to Bankruptcy and we want consumers to be as successful in our program as possible to avoid filing for Bankruptcy. As you know, we have an A+ rating with the Revdex.com and our customer service phone number and physical address has been the same for the last five years. We also advise in several different locations on the contract along with advising you in person during your presentation and over the phone during your welcome call that your credit will be adversely affected while you are in the program. The client made the decision to cancel the contract prematurely and was not entitled to a refund when she canceled. We automatically refund the client's account balance to them upon cancellation but the complainant did not have an account balance because of the two different settlements that were obtained and the fees that go along with them. Please let me know if you need anything additional.Thank you.

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.1- If it is "completely inaccurate" to say that my money would be refunded in the event that I cancel my program, it should NEVER be presented as such as it was to me. [redacted] absolutely stated this was fact which is one of the biggest reasons I moved forward with this company.2- I was told the FIRST settlement was with [redacted] as the company tries to settle the largest accounts first to prevent legal actions. I was not told about the [redacted] settlement until January of 2013 when the company asked me to increase my monthy withdrawal to cover the [redacted] account. Not one [redacted] payment was ever sent but I continued to pay the extra $87/month. Where did my $87/month go?3-Regarding the draft date change from 23rd to 28th of each month- NEVER once was it told to me that it would affect my settlements. I had been dealing with "[redacted]" when it came to my draft change. When it was later brought to my attention after making the change that it affected my [redacted] settlement and settlement was lost, I asked, "Why didn't [redacted] disclose this to me before I changed my draft date?" They said, "All I can tell you is [redacted] no longer works with us." If I would have been porperly informed that my actions affected my settlement, I would not have made the decision to change my draft date. I didn't even know I lost the [redacted] settlement until I canceled in May. Where did my extra $87 go all those months with no settlement in place. 4- The woman that gave me the email information to cancel the program absolutely encouraged bankruptcy. Listen to the phone recordings.5-The phone number I called several times no longer works. Unfortunately I do not have the number available to me right now but can provide it at a later date if needed. 6- I see no rating for [redacted] and Moore with Revdex.com. 7- Is [redacted] and Moore licensed to work in Minnesota?
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. Moore Legal Center PC charged me fees based off a contract that was not even in my name our had any accounts that belonged to me. My account statement shows fees withdrawn based on the schedule in Correct contract file on their customer portal. This contract is not my contract!!
Regards,
[redacted]

Run as fast as you can from this company. They will lie to you about what they are doing with your money that you are paying them. I signed up for a 27 month program at 425.00 per month taken from my account. They did not even try to settle any accounts until over a year from when the contract was signed. By then the debt had doubled. They say they contact you on a monthly basis but I was not contacted by them at all with the exception of the last few months of the contract, I had to contact them to inquire about any settlement offers they may have received. They would then make statements such as " oh we did just receive". They should have contacted me immediately do I could approve a settlement or not. Instead they ignored It and the debt then became larger. At the very beginning, I remember now, they did request me to send them additional information on a creditor they needed---it was not my creditor but another one of their clients creditors. I should have run then. When the end of he contract with Moore came near, they still had not settled all the debt and actually stated that I needed to investigate where the remaining debts were as they did not know and would not do he research. I was upset but have paid so much money in at this point I agreed to do this. This was around the holiday's and was very hard to contact people. Then after renegotiating and Moore Legal agreeing to continue on with me for another 12 months at the cost of 399.00 per month to settle he last 6 accounts they had not settled with during the previous 2 years, I received a check from Global. I called Global to ask why I received this check, they stated that Global had cancelled the contract with my account with them and this was the balance that was remaining in that account. I was not notified by Moore legal on this. they also had taken the first payment of 399.00 from the new renegotiation out of my account. When I contacted Moore Legal about this, they once again stated they had tried to contact me, which the did not. They are liars and thieves. AT this point, I have now paid out more money than I originally owed to the creditors and still have to try to negotiate with the 6 left that have not been settled with. I understand that I obtained this debt but I was trying to do the right thing by trying to correct my mistake with the help of these people but am now in a worse spot than before. If anyone has any information abut any class action law suites etc... about this company. Please share. I have also requested documentation from this company - itemized- to show what they did and when they did it. They have refused to provide this to me.

Moore Legal Center, PC just hang up on me each time I phone for an update on my outstanding issues ... how unproffessional can one be ? are they 10 years old in the customer service department ... now they have been fully paid they have no time for me

Moore Legal Center PC,

My recommendation is RUN do not walk away from these people. They are shady, they are NOT there to help you, they are there to make money off of people who have unfortunately found themselves in a bad situation. If you are someone who pays on time to them (which I was), they will not respond. The ONLY voluntary correspondence I received from them regularly was a reminder to make my payments. At one point I was going to quit the program and unfortunately, I listened to them and let them keep me in the program. NOW almost three years later, I couldn't take it anymore. They were supposed to settle two debts for me, they paid ONE down but I continue receiving requests from the company and they have done absolutely NOTHING with the second one. In the meantime, they were paid HANDSOMELY for doing ABSOLUTELY NOTHING! From what I have paid them, I should have had one credit completely paid in full and another one at the very least halfway paid down. As far as I'm concerned, if you are someone who wants to work with a company like this one, DO NOT (I repeat) DO NOT work with Moore Legal Center, PC. YOU HAVE BEEN WARNED!

Review: I was in an incredible amount of debt and received a notice in the mail that I could have this company get me settlements on my credit card debt.

I was told by [redacted] - The person I originally spoke with about debt settlement that I could cancel the program at any time and get all of my money back excluding of course the money already distributed to collectors. I signed up with [redacted] and Moore in June of 2012. My initial legal deposit was 6/22/12 in the amount of $500.00. I went onto make several more payments on the following dates: 7/23/12 - $554.08, I missed August's payment, so I made a payment and a half in September and October: 9/28/12 - $831.12 and 10/29/12 - 831.12, 11/23/12 - 554.08, 12/24/12 - 554.08, 2/12/13 - 641.08, 3/1/13 - 641.08, 4/5/13 - 641.08, 5/3/13 - 641.08. The program I entered was a 30 month program with monthly payments of 554.08. You will notice the increase of $87.00 monthly starting in February. [redacted] and Moore said they had entered into another settlement with a collector ([redacted]) but the only way to pay two collectors at a time was to have more money monthly. The first settlement they got me was with [redacted] for my line of credit. [redacted] and Moore was paying [redacted] 360.00 a month for 12 months. Since their legal fee came out of my monthly payment each month, there was not enough money to pay to collectors at one time which is why my payment increased.

As you can see with my payments, I paid them $6388.80. Of that $6388.80, they only paid 3 payments to [redacted] in the amount of 360.00 for a total of $1080.00. Therefore, they still had 5308.80 of my money that was not used on my debt.

I finally cancelled my program on May 9th, 2013 through an email to customerservice@[redacted]andmoore.com as they stated was the proper way to cancel. The extra $87 I was paying a month to settle my [redacted] account never went to [redacted] as they said they lost the settlement but never told me and continued to take the extra money.

When signing up with this company, I was told they work with you so the process is as painless as possible. [redacted] told me that if I needed to change the date of withdrawal of the monthly payment that I could without issue, which I needed to because it was a large payment and very difficult to keep up with. But as the program went on, they never worked with me and actually told me I couldn't be in the program if I needed to change the date again and suggested I claim bankruptcy. So I ended my program. I looked at their Revdex.com rating before I signed up with them and it was an A-, now they are not on Revdex.com. Their phone is disconnected too. I am not able to get in contact with them as two letters have been sent without response. For a long time I have been ashamed of myself for believing that this process would work. However they ([redacted] and Moore) tell you everything you want to hear to get you to sign up but then don't follow through with their promise. I am worse off now that I used this company. My credit score has dropped 200 points.

The company they used to automatically withdraw payments from my checking was called Global client solutions.Desired Settlement: I paid them 6388.80 over 11 months of which they only used 1080.00. The difference is $5308.80. Their total legal fee if the program was complete was $5540.79, which is only 231.99 short of what I paid them; however, they and I never finished the program and they never kept their agreement. I am looking for all $5308.80 to be refunded.

Business

Response:

The complainant signed a contract with our company in May of 2012 for debt resolution services. We do not offer a 100% money back guarantee because we need to be paid for our services so the statement "The person I originally spoke with about debt settlement that I could

cancel the program at any time and get all of my money back excluding of course

the money already distributed to collectors" is completely inaccurate and nowhere in the contract does it state that. The complainant's draft breakdowns are correct except the last payment made into the program was on 4/4/13 in the amount of $641.08. The May payment was returned to us due to insufficient funds. The complainant paid a total of $5,247.72 along with a $500.00 legal deposit. The first settlement that we obtained was with [redacted] for 40% of the balance (saving the complainant $1,832.53.) The second settlement that we obtained for the complainant was with [redacted] for 45% of the balance (saving the complainant $5,544.80.) Unfortunately, we could not complete either settlement because the client changed her draft from the 23rd of the month (as originally agreed to) out to the 28th of the month. She refused to keep it on the date as originally agreed to even though she would risk losing both settlements. We were able to renegotiate the [redacted] account to work with the new draft date but we could not complete that either because the client canceled the program prematurely. We also made four payments to [redacted] ($962.00 on 1/10/2013, $352.00 on 2/10/2013, $352.00 on 3/10/2013 and $352.00 on 4/10/2013) before the complainant canceled in May 2013. We always try to work with our clients as much as possible but if a settlement arrangement is in place and changing or skipping a draft will affect that settlement arrangement we advise strongly against doing so. We never suggest filing for Bankruptcy to one of our clients. Our program is an alternative to Bankruptcy and we want consumers to be as successful in our program as possible to avoid filing for Bankruptcy. As you know, we have an A+ rating with the Revdex.com and our customer service phone number and physical address has been the same for the last five years. We also advise in several different locations on the contract along with advising you in person during your presentation and over the phone during your welcome call that your credit will be adversely affected while you are in the program. The client made the decision to cancel the contract prematurely and was not entitled to a refund when she canceled. We automatically refund the client's account balance to them upon cancellation but the complainant did not have an account balance because of the two different settlements that were obtained and the fees that go along with them. Please let me know if you need anything additional.

Review: I entered an agreement with Moore Legal Center in June 2013 for them to assist me with debt settlement. I paid them a total amount of $5,100 between June 2013 and June 2014. Prior to June 2014, I informed them that my income situation had changed significantly and I would not be able to keep the initial agreement with the amount of monthly drafts. They informed me that they were cancelling me from their program and that they were not willing to refund any of the $5,100 that I had paid. They provided virtually no service to me, other than sending out a power of attorney letter to three [redacted]or accounts. I asked on multiple occasions if we could reach an agreement on a refund amount, but they flatly refused.

Product_Or_Service: debt settlement [redacted]Desired Settlement: DesiredSettlementID: Refund

I am looking for a partial refund of the fees that I paid. They are entitled to keeping a reasonable fee for the minimum service they provided, but to keep all of the $5,100 is not reasonable.

Consumer

Response:

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.

First point - I have provided Moore Legal Center with copies of all correspondence from my [redacted]. I have not received any new correspondence since the last recorded document., so I have complied fiully with their requirements in that regard. They have refused to accept that fact.

Second point - I am not arguing the payment facts. However, after the initial agreement in June 2013 and followng my divorce settlement in July 2013, I was required to pay alimony to my ex-spouse of $600 per month. Also, in the fall of 2013, my income level changed dramatically. I was very clear with Moore Legal Center about this and told them I could no longer meet the $840 monthly amount. At that point, they decided to remove me from the program. The [redacted] they provided to date are minimal at most. I do not have a problem for them to receive a reasonable amount for their [redacted], but the $5,100 I have paid them is execessive for the amount of [redacted] they have provided. I am therefore requesting a partail refund.

Regards,

Business

Response:

Hello,

This letter is in

response to the complaint filed by [redacted].

We did not remove the complainant from the program until this month (July 2014) and we worked with him as much as we possibly could before terminating the agreement. Unfortunately, we are not able to successfully complete a debt settlement

program for a client if they cannot consistently set aside funds and abide by

the Schedule B in the agreement. We were not

able to finalize any settlements because of the complainants lack of consistent

drafts into his debt settlement program. Again, the agreement clearly states on page

9, section 8 that the service fee is earned upon payment and not subject to

refund. It also goes on to state that upon each payment of the legal fee,

that fee is earned and is not refundable unless Moore Legal Center, P.C. has

committed an error or omission in the provision of the [redacted]. We did not make any errors or omissions in providing our [redacted] so the complainant is not entitled to a refund. Please let me

know if you need to see a copy of the signed agreement or if you need anything

further.

Sincerely,

Moore Legal Center, PC

Review: I hired Moore legal service to help with my financial issue. I sent them 1,630.00 and then decided to go a different route due to there record with the Revdex.com, I asked to close my account and they did but they have refused to refund me the money.Desired Settlement: I would love to receive the money that I have given them for service not rendered. For the full amount of 1630.00

Business

Response:

Hello,

Review: I keep getting notices in the mail at my condo that state someone by the name of [redacted] is in financial trouble and Moore Legal Center is offering to settle the debt. The person they are addressing the letter to does not exist. There is an estimated creditor balance of 41,200.00 that does not exist. I want them to stop sending this mail to my address. It looks like a creditor letter from the outside and it is embarrassing to me if anyone would see this. Especially because there is not a problem and the person they keep sending mail to doesn't exist. On another note, if they have information of this nature I would like to know where they got it from. Is someone stealing my identity? Is the a social security number attached to this claim that might actually be mine. Can you help me?Thank you, [redacted].Desired Settlement: I would like to know how they got their information and if there is a social security number attached to their claim. (last 4 digits will be fine. I want to make sure it isn't mine) I would also like an apology if they find themselves in the wrong. And they will find themselves in the wrong. I would like to know if they got my address and the false name off a mailing list. If so, what mailing list.I would like them to take me off their mailing list.

Business

Response:

Dear [redacted],