Robert Stanley Gitmeid

Positives: It’s not a scam. It took a while and I got sued in the process but they eventually settled. In the space of 2 years, I would have cleared 35k in credit debt. Another plus is that after I signed up with Gitmeid, the collection calls surprisingly stopped, and I also did not have to appear i...n court after I got served. They took care of all legal matters as they said they would. Negatives: They are not very transparent about “how” they do things. They rarely have updates and they give you little information about the process. I called them several times asking for updates and got nothing even after I got served by the creditor. Another negative is that after the settlement was agreed, first thing they did is pull their whole fee amount (over 7K) from the escrow account. That money could have gone a long way I’m sure to negotiate a lower settlement. In the end, a large amount of the money I had saved for a year went to Gitmeid first instead of the creditor? Not cool… And my biggest complaint is that the settlement amount was so high (80%) that once I add their fees, I will end up paying a lot more than what I owed the creditor in the first place. They did not even flinch when they told me over the phone. The conversation was very impersonal. My monthly payment tripled to maintain the payoff schedule to the creditor. Luckily, I got a new better job or else I am not sure how things would have turned out. My Advice Gitmeid will do for you what they say. But don’t think it’s necessarily going to be easier and cheaper. No one can defend your interests better than yourself. In retrospect, I could have faced my creditor and worked something out directly with them.

Gitmeid has been an amazing office to work with for our debt. We started with over $50K in credit card debt and they have been working hard on getting these accounts settled for amazing amounts. They work quickly and are very friendly to work with. We have been with them for nearly two years and have... never had any problems.

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.

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.