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Option 1 Legal

10440 Little Patuxent Parkway, Suite 300, Columbia, Maryland, United States, 21044

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Option 1 Legal Reviews (%countItem)

DO NOT USE OPTION 1 LEGAL! They are a scam! Everything about them is shady! They lied about how much fees they take out, they don't settle with credit car companies, 3 1/2 years later & them having $18,000.00 of my money! I am taking further action & hiring a " real" lawyer to get ALL & more! They need to be accountable for prying on people's weaknesses to try to get out of debt! Shame on them!

DO NOT TRUST.
This organization does not follow through. Debt was never handled , a “lawyer” was assigned to litigation of debt and never once contacted the courts, did not respond to emails or Calls. The representatives continued to push making extra payments! They do not reach out , they do not make effort and they will take your money .

Liars and Thieves
They took $488.30 a month for 17 months, about $8,000. They got us a deal on the first creditor but dropped the ball on the deadline after our repeated phone calls and emails for 3 weeks to release our funds, even though they said they were expediting everything. We paid $6,000 out of our pockets by putting our stimulus checks together to pay our creditors directly and save the deal. Option1 Legal/Global holdings then released our $2,000 in our funds account after the deadline. That same month we were offered a deal with our second creditor for $9,000 on the $14,000 we owed. There were no funds available to take this deal. We needed more time to accumulate more funds. 3 months later our second creditors lawyers said we have to pay $18,000. $4,000 more than we initially owed. Apparently, the wait time on the deal had ran out. We had to stop paying Option1 and start paying the lawyers to our second creditors. We have asked Option1 for a refund of $2,000 because they didn't deliver what we paid for. Reshawn, a supervisor, told us there is no refund once litigation has begun. That's not what our contract says. It says there is a refund if we do not receive a 30-50% reduction of the amount we owe our creditors. I've waited on the phone for an hour, only to be disconnected. I called back and waited another hour to talk with a representative. We have also spoken with their lawyer in September but it wasn't to help us. We didn't hear anything back about our refund. Very poor business practices but rich with the money they have stolen from us and and many other people. We would help with a Class-Action lawsuit if we don't receive our requested $2,000 within a month from now, 11/8/2021. Horrible company to have to work with. We are very dissatisfied. Kevin and Diane Donze

+2

A very, very HORRIBLE, TERRIBLE, BAD, POOR, ETC., company. We were a client for 8 months and we paid $720.04 a month, $0 went to our creditors, only went to their MONTHLY FEES. We had enough of their smooth talking associates and cancelled our account. We got scammed out of over $6000.00. We are just asking for a refund of our hard earned money.

Option1 representatives gave me misinformation and tricked me into paying more fees than explained. They promise to lower your debt but that is a lie!
I was misinformed and misled into believing option 1 would reduce my debt with creditors. I was told by Austin B that all I needed to pay was approximately $1,000.00 fee and they would significantly reduce my debt. That all ended up being false, they charged a monthly fee of $100 for a retainer (I never used a lawyer), a monthly service cost of $340.66, a monthly legal admin fee of $55, monthly banking fee $10.95. for approximately 12 months.None of these fees were explained prior to me signing the contract, instead I was lied to. I was told all I would pay is approximately $1000.00 for their services. They asked for a total of $1331.13 a month for a year and informed me that this money would be used to pay of my reduced debt with creditors. That was a lie and as significant portion of that monthly payment was allocated towards the fees I was lied to about. Again, I was not informed of these feels prior to signing. the person who walked me through signing did not disclose this information, they lied to me about my payments verbally. This company also did not fulfill their original promise. I was promised that my approximate $24 thousand in debt would be reduced to $15,973.54 and my monthly payments would fully cover that balance. This debt is the sum of debt for 2 separate creditors, *** and ***. I started my program with option 1 in June of 2019 and was under the impression that Option 1 settled my balance with the creditors but around January of 2020 I was informed that only my *** debt was settled and they were still trying to settle my debt with ***, subsequently I was informed that they would require more money as they were unable to settle the debt with *** at the rate they initially promised. It was only then that I was made aware of the allocation and distribution of my monthly payments toward their monthly fees. I immediately escalated my concerns and asked for a refund of all fees as I was lied to. After several months of trying to settle this issue, having several managers and representatives involved and given the run around, option 1 failed to fulfill their original promise to settle my debt with *** and refuses to fully refund the fees I was lied to about. They have taken advantage of me as an elderly woman and I am sure they do this to more people. They need to be stopped!

Desired Outcome

I have only received a refund of $1595, however after all of the deceit and failure to fulfill their promise i am requesting a full refund of all feels paid for 10 months. $100 retainer x 10 = $1,000 $340.66 service cost 10= $3,404.6 $55 legal admin fee x 10=$550 $10.95 banking fee x 10 = $109.5 Total $5064.10 - $1595 (refund issued) =$3,469.1 Total refund requested $3469.1

Option 1 Legal Response • Jun 17, 2020

Client signed a release agreeing to a resolution of this matter.

Customer Response • Jun 23, 2020

(The consumer indicated he/she DID NOT accept the response from the business.)
We were asked to sign a release in order to receive any form of refund. I have always made it clear that a larger refund is owed, however was denied several times. after my several attempts we were offered $1,595, this is only a fraction of what is owed. The release was signed in fear that no refund would be issued. This company has taken my money based on lies and misinterpretation. This should be illegal.

Option 1 Legal Response • Jun 25, 2020

The client was under no obligation to resolve the matter for the agreed upon amount. However, the client did agree to an amount in return for releasing all claims. We consider this matter closed.

I've paid them 448. for approx. 10 months and most of that except for 768. is left in funds for resolving issues with my creditors.
No updates
They never answer my questions when I call only say it takes time and we are working on it or thats normal to receive letters from collections? I had to send a letter to all 3 creditors of mine to stop phone calls / emails and letters in mail (which they should have done that for me) they given me any proof of any work done but take fees from my montly ACH debit bank accounts for their monthly fees. I've sent 2 emails stating due to Covid-19 (lack of funds) and their non-agreement of services that I no longer wish to retain services. Today Karina called (recorded on their end) ask for this month's payment. I explained everything to her but she said I would need to call back to request cancellation of services... really?

Desired Outcome

Let them keep funds already taken for non services rendered and release me from any further actions / payments going forward.

Option 1 Legal Response • Jun 03, 2020

This matter has been resolved to the client's satisfaction.

I joined their program to help me settle my debts. After 1 year and $7,000 later, no settlement reached; refunded only $470 after cancellation.
I was sold on the company's sales pitch back in March 2019, which was to help me become debt free after 3 years. They promised court representation in case a suit were to arise from any one of the creditors. Upon signing, and based on the total amount to be settled on, I agreed to pay into an escrow account initially $503 per month, then $613 per month for I had added another creditor to the program later. Fourteen months in, almost $7000 accumulated in the escrow account, No settlement was reached and Option 1 Legal failed to appear in court for a judgment that was filed against me by a creditor. I made certain that I faxed and uploaded all court documents I had received and followed up with them on the phone regularly - at least once per week. Each time I was told everything was being taken care of.

Surprisingly, court proceedings took place and judgment was rendered against me because of a NO SHOW. Upset and frustrated, I decided to call Option 1 Legal to cancel the program and let them know my disappointment. Almost 2 weeks later, they refunded $470 to my bank account as this appears to be the only sum of money they believe is owed to me.

I ask that investigation be conducted into this company to find out where the rest of the money injected into the program has gone.

Desired Outcome

I ask that all funds paid into the "program" be returned to me for there has been a total misrepresentation by Option 1 Legal. The firm's promise wasn't sustained, therefore a full refund is due to me.

Option 1 Legal Response • Jun 05, 2020

This matter has been resolved to the client's satisfaction.

These people are crooks and should be shut down. I wish there was a way to sue them. They are seriously stealing our money and lied about what their fee was. I wish I could afford a lawyer, but they have all of my money.

+1

This "company" is a scam, they steal your money and claim to be helping you. They never take you seriously, they do not help you or your situation.
They signed me up in a hurry without explaining anything. Its been 9 months and I have been harrased by my creditors with no help from this "law firm." All they tell you is that they are handling it but they are clearly not. When I call for answers I get the run around and can never even talk to a negotiator or lawyer. I was harassed even by the option 1 team when I asked for questions.This is ridiculous and I WILL BE HIRING A REAL LAWYER TO SUE. I am embarrassed to ever say I worked this disgrace of company. DO NOT, I REPEAT, DO NOT WORK WITH THIS COMPANY OR ANYONE ASSOCIATED WITH THEM.

Desired Outcome

Fix my credit, refund me my money and tell my creditors that the reason they didnt get their money is because they told me not to talk. My life has been ruined by Option 1 legal. I need my money back

Option 1 Legal Response • May 27, 2020

This matter has been resolved to the client's satisfaction.

I tried this service. It was terrible, and I thought it would be fine, but when I tried to withdraw my money and get out of the program, instead of refunding me like the CONTRACT says it would, they took all of my money out of the account and are refunding me $125 instead of over $3,000. No one ever reached out to me to try to explain. This company is fraudulent. Do not sign up for this program.

I am disappointed in their program- enrolled for 8 months and no progress in payment plan. You are not treated as an individual; never sure if anyone monitoring your case. They send Power if Attorney firm to incorrect accounts! Very unhappy ...not sure what I should do now!

Don't work with them! I was under contract for 7 months when I realized that I made a huge mistake. I was told that the first settlement would be made within 7 to 9 months, but I WAS NOT told that this is also when most creditors start charging off. I paid the company nearly $400/month yet each time I checked my Global account the balance was $0. I called a few times and was told the funds went towards attorney fees, but the attorneys did nothing for me. Thankfully I was able to work things out with the creditors before my accounts were charged off. I got a small amount returned to me because it was still in my Global account but over $2K went towards attorneys and was not returned to me. I was told someone would contact me weeks ago, but I haven't heard from anyone.

+1

This company has misinformed us and we are not happy at all! We was told it could take up to 90 days to get my creditors to settle and now we are being told it could take six to nine months. That is a horrible horrible business.

This business has very poor communication when it comes to customer needs. They will call continuously to get your business, but not to help with your concerns. We received communication through the mail about this debt consolidation program which sounded very good. We received a phone call to set us up on the program and we spoke with Asher B. Asher was very helpful, he took our information and returned our call the next day. We were informed then that we did not qualify for a consolidation loan, but could receive a debt relief program. The situation sounded good considering the situation we were in. We agreed and signed the paperwork a couple of days later. That was when the problem started. We were told that an electronic copy of the contract would be sent to us within 24 hours. We were also given a deadline to cancel by August 20th at midnight. After we signed the paperwork, the phone calls stopped. We did not receive any paperwork from the company emailed to us. This did not sit right with us and we contacted the company to cancel the program on the 18th. We received a call from Asher B on the 19th apologizing for the failure to send the contracts and he sent them at that time. We spoke at that time about cancelling the program and he assured me that I could cancel at anytime and that the 20th was not the deadline. We agreed to think about it for a little longer. After thinking about it throughout the day, we decided that we still wanted to cancel. We called the customer service line and spoke with Catherine and informed her that we wanted to cancel. We also spent our money to FedEx the cancellation form to Option 1 Legal and the delivery was confirmed at 1:31pm on the 20th of August. That is when the phone calls started again on the 19th. Several calls asking why we were cancelling and what our situation was. We did not return these calls and have received no more communication about our cancellation even after the cancellation paperwork was received. We are now reaching out to and through the Revdex.com prior to our cancellation deadline to help us resolve this concern. We do not want anymore phone calls from this company; we just want this program cancelled without penalty. An email confirming cancellation will suffice. Thank you for your help resolving this issue.

After reading the reviews here, makes me feel like uncomfortable now, and I wanna get out of this, I wasn't sure anymore. And I don't understand why do I have make my own google voice number, when I already have my phone #. And I want a consolidation not bankruptcy. I read the other review that she/he wanted consolidation but I guess it turns out bankruptcy. Please help me to get out of here before it's too late. All I know I wasn't feel comfortable now and I'm scared.

This business is a SCAM. We were contacted regarding a debit consolidation by Nicholas and found out it is a bankruptcy agency. We were flat out LIED to and never wanted a bankruptcy. Legal action against a legal deceitful company is now being filed. The representative was very deceptive and the information was not clear regarding what this business represents which is bankruptcy.

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Address: 10440 Little Patuxent Parkway, Suite 300, Columbia, Maryland, United States, 21044

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