"The help that I am able to receive and…"

The help that I am able to receive and the time that the customer service spends with me to make sure that everything is understood before I am released off the phone. More important the first settlement that I received.

"We spoke to Jason a year ago and never…"

We spoke to Jason a year ago and never heard from him again.
It seems like a successful business, but our go to person for support or questions was never the same person.

Frustrating

"Good first experience"

Very friendly customer service and user friendly portal.

"God is good!!"

Stress less, peace of mind and happy to be debt free thank you very much. No more high interest rates.

"Professional attention to detail"

Professional attention to detail

"Level One Law is working for me."

I am currently relying on Level One Law to negotiate debt settlement plans with several creditors. They appear to be very reactive and responsive as my financial situation changes and debt settlement opportunities arise. Other reviewers have complained about various aspects of the process, but I believe they fail to understand the steps of that process. Level One Law can take no action to negotiate a debt until the creditors are Ready and Willing to negotiate. This takes about 6 months. At this point the creditors initiate legal actions that Level One can respond to. Negotiations can, and do, proceed quickly and efficiently at this point. Other reviewers complain that Level One Law extracts their fees up-front and causes your pay-off money to accumulate too slowly. This is just good business practice... pay for the service like you pay for virtually everything else; the benefits will come later. I am satisfied with the progress that Level One Law is making on my behalf. There has been no harrassment allowed by my creditors. Level One Law represents me in all respects. There is only one caution I would recommend: Level One calculates a monthly payment up-front based on the long-term resolution of the total debt (usually over a 4-year span). The problem is that each negotiated debt may require monthly payments over a shorter span, usually 2 years. This forces you to add funds to your monthly payment to Level One Law in order to meet these shorter pay-off agreements. If you can't afford these additional payments you need to tell them so they can renegotiate a gentler payment plan. Additional monthly payments might be temporarily painful, but your debt will be paid off much sooner.... and at a much reduced debt load.

In conclusion, I am satisfied with Level One Law acting as my legal representative. I understand the steps of the settlement process and will continue to work with them to help me resolve these financial issues.

"Charging Illegal Upfront Fees"

If you need assistance with debt relief/consolidation, please avoid this company.

The company first attracts customers by sending mailings to your homes under the company name of Patriot Funding telling you that you have been pre-approved for a debt consolidation loan.

When you reach out to them, you are told they do not offer loans, but help you by settling your debt for less than what you owe with the creditors using Level One Law firm.

They also tell you to stop paying your creditors and they will set up an account with a company called Global Holdings where your payments are held and then used to pay the settled debts.

While you are not paying your creditors, late fee and interest will accumulate and the money that you think is being saved to pay off your settled bill is instead being used to pay illegal upfront fees.

Per the Federal Trade Commission debt relief services, you can't collect any fee from a customer until you meet these three requirements:
You must have reached a successful result for your customer.
There must be an agreement between your customer and the creditor.
Your customer must have made a payment to the creditor.

However, when you call to cancel and request a refund, you will be told you are only entitled to what is in your account at the time, even though the FTC requirements were not met.

In my case, it was a mere 5% of what I gave to the company.

This company can improve by following the FTC rules.