Robert Stanley Gitmeid

Gitmeid has been completely transparent about everything that was going to happen to my credit score and how they were going to help with my debt. With 35k in credit card debt I can finally see the light-two of my three creditors have made deals and they are actively working on my third. I receive no... harassing phone calls or have ever been asked to appear in court. They staff are professional and courteous every time I call. They reach out every so often to see if anything has changed with my finances. My credit is starting to rebuild. This process takes time-I got myself into this mess and realize it takes time to get out of it.

I did call them a year and a half ago and I don’t regret it, it’s been hard for me to keep up with the payments but I’m working hard to be out of debt as soon as possible, they have been working hard to handle all my creditors, I have no harassment calls for creditors, no appearances in court and I h...ave six credits cards paid off by now even Discover, they charge a reasonable amount of money and I think that all the process is worth it, they have to deal with all the mess that we caused for living beyond our means.

They may convince your creditors to what you owe, but your credit will spiral into the abyss, unless it’s DISCOVER. DISCOVER WILL NOT NEGOTIATE. I have to pay DISCOVER the full amount, plus a percentage to Gitmeid PLUS my good credit, starting at over 700 is now destroyed. Big help they were. I asked... Gitmeid if my credit still takes a hit once a settlement was made. They couldn’t tell me. “We’re sorry, we don’t give advice on credit”. You can’t answer that simple question?? They don’t give a damn. If you’re in debt, they will take advantage of you and make their money. It’s kind of like declaring bankruptcy, but you’re paying money and your credit is destroyed while they claim no comment. I wouldn’t do this again. Find another way.

I am really disappointed with this company, because they keep giving me the run around and I started to wonder if they're a scam. Here I am paying them $459.00 dollars since Sept of 2018 and my debtors area constantly looking for their money. If I had know this was going to work out like this I cou...ld've continued doing it myself. I was doing fine without them, but because I wanted to paid off all my cards on a timely manner I decided to do this. I give them credit for always answering their phone and questions.

I called Gitman Law when I was totally desperate for help in July, 2017- I’m so glad I did. My total debt was $25,685.00 and I just couldn’t keep with with payments, was late on some and the high interest was keeping me from paying anything off. In September 2020 I will have all of this debt settle...d and completely paid. When I add the settlement amount and fees I found I saved $8,665.00, keep in mind the orginal debt was what I used as how much I saved- There is no interest/late fees included in this calculation so it would have been much-much more if I looked at what the “true” balance was at the settlement date. Gitman did tell me credit score would fall- and it did to the low 500’s and has slowly increased to 619 which is what my score was prior to working with Gitman. My credit score is my fault for getting myself into this situation. There were times where I missed a payment, I would then double the next payment to keep myself on track. The staff was always pleasant to speak with and informative. Personnally, my financial situation and stress changed because one payment every pay rather than figuring who I was paying and how much was no longer a thought- I actually had more money to spend for life itself. The weight lifted off my shoulders was tremendous. I did worry for the first 6 months as I didn’t see any settlement offers even though I was depositing twice a month, my balance was increasing- then after 6 months I began to receive settlement options, whew what a relief. My monthly payment was only raised one time by $40.00 for the next 18 months, I am completely ok with this as everything is settled and will be paid at the end of the 18 months. Would I ever do this again? No, I will always keep myself in check related to debt. Every time a debt was settled, then paid I feel for once in many years relief from all the stress and feeling accomplished as each debt is going away. I would recommend Gitman’s for debt relief, yes you pay fees- but you’re not paying the late charges and interest that has accumulated- someone is handling stressful calls and negotiations for you. For me it was totally worth it and I did save money- I’m rebuilding my credit and most of all the staff never once made me feel uncomfortable for putting myself in this financial situation.