Robert Stanley Gitmeid

Here is my humble opinion about this law firm. They are not here to help you rather just wanted to take your money. You can negotiate with your financial institution by yourself and you will get the same deal. This firm will charge you 21% fees on top of the settled amount with your bank. They make s...ure that you don’t Understand things and convince you to sign up. I have overpaid my credit card company because of this company. Save yourself

I am very grateful to have my creditors paid off but the process of getting to this point has been nothing short of miraculous. While Robert Gitmeid was able to negotiate with my creditors in reducing my debt, I still could never have paid this off in any kind of timely manner had I not been blessed... by an extremely generous family member. I don't see how this program could possibly work for anyone without a lot of extra money to spend or help from someone else and obviously if you are looking at debt consolidation, your finances are probably already stretched thin. If you are considering this, please allow me to share my story. In 2012 I was in great financial shape with a full-time job, part-time job and excellent credit score. My credit cards were paid off monthly and I had only a few more car payments to make. My house payment was my biggest expense and it was reasonable. Everything changed that year. Within a few months my income was reduced to a part-time salary and small pension and my car totaled by an uninsured maniac driver who was trying to speed around rush hour traffic. I had to foot the bill for another car and medical bills all on a reduced salary. To add insult to injury, I still had to pay the IRS a substantial amount of income taxes each year despite my reduced income. Also, I live in a city where property taxes are the highest in the state. All of these things forced me to become dependent upon my credit cards and the more you charge the higher the interest rates get and don't even think of being a day late or they add an unbelievable charge. I soon maxed out 3 cards and had nothing to show for it. I managed to pay off the car I had to buy in a timely manner and when I did I tried to focus more on paying down my cards, but by this time the debt was out of control. In 2017 I enrolled with Robert Gitmeid. I was very honest and upfront with them about how much I owed and how much I could afford to pay each month. The person that enrolled me seemed very helpful and understanding, unfortunately that was the only time I spoke with him. As instructed, I stopped paying the credit card companies and began paying R.G. a monthly amount suggested by them that was significantly less than what I had been paying my creditors. Needless to say, my phone rang constantly when I stopped paying the card companies, my relatives received calls about me and I was threatened with a lawsuit. It was not until the first lawsuit that R.G. made any attempt at negotiating with my creditors and even then it was only with the suing creditor and I had to increase my monthly payments to cover that. It was a painstakingly slow and embarrassing process waiting for each of my creditors to sue me and for R.G. to negotiate a settlement with them and call me back each time asking for more money. My monthly payment soon doubled and they still asked for more and still had not settled with all of my creditors. Once I made my R.G. payment, house payment, utilities and taxes, I literally did not have enough money left for groceries. In 2019 I was very blessed to have a generous relative who paid off my house. At this time, I called R.G. and told them that I would increase my monthly payment to them the amount of my house payment if they would finish negotiating with my creditors. It was not until then that any real progress was made and yes when you get to the end they do keep a substantial amount for themselves. So if you are thinking about doing this, look at it this way....It took the full amount of my former car payment, house payment and what I had been paying to three credit cards to finally make this work! Sure R.G. negotiated lower pay off amounts from my creditors, but if I hadn't been blessed by the generosity of a family member, I would never have paid this off in three years or thirty for that matter.