Robert Stanley Gitmeid

As of 7/12/2024 we are done with these thieves. They stole $2000 from just me alone and $575 actually went to creditors, not counting what my wife has put in for hers. We got a hold of another attorney and we're going with a Chapter 13. The weight that has been lifted off our shoulders you have no id...ea. They only get 5 stars because the people don't know in the beginning and thinking it's a great idea. It's not, just stay away, they will steal from you and there's nothing you can do about it.****They are a bunch of thieves and now I'm in and screwed. $200 every two weeks and every two that go by, my dedicated account is at $0 balance. Why you may ask....... Fee after fee after fee and nothing is getting done! They did call me one day and told me they had great news, they settled one for $685 and that's at 22% of the original balance. I was extremely happy. Then there was a "but" and here it comes. They wanted $685 more on top of the $400 a month I give them. Un"f'n"believable. You seriously need to avoid the law firm and National Debt Relief. That is who they are in bed with. What a scam and I fell right into it. Shame on me. 54 months of this!!! I should have just filed bankruptcy. Same amount of time but at least I would have an extra $400 month. And this is not counting my wife is in this program to. So between the both of us we're at $800 a month. Now as of today, I'm looking at calling the bank that has my truck loan and tell them, "come pick up the truck, I can't afford it anymore." These two companies, National Debt Relief and Gitmeid & Associates have completely ruin my life. Just 8 months in and I can't even finance bubblegum. This is what it looks like after just 8 grueling months. $199 gets deposited and the same day they rip the $199 for their fees which still leaves me at $0 balance. Keep in mind that $199 is just a portion of the $800 I have to pay in some of the fees before a $15 payment actually goes to the creditor. Nothing to work with, no buffer just in case. Final warning, "STAY AWAY!!!

I thought doing a debt relief program would be the way to go instead of filing Chapter 13 - I should have filed Chapter 13. I made the call to National Debt Relief initially and ended up with Robert Gitmeid, I'm guessing NDR just passes people to other firms. In the beginning, I thought it was great.... Several accounts were settling fairly quick. However, I have had 4 lawsuits, which has been disappointing and stressful. Those accounts were eventually settled, but it was the point that they were filed in the first place. The money you "think" you are going to save...you really are not. Between their fees and the 1099C you receive at the end of the year from each creditor, you are STILL paying just as much if not more. YOU ARE BETTER OFF FILING CHAPTER 13 than going through this nightmare. IT IS NOT WORTH IT! I keep being contacted to send them a notarized POA for one of my creditors that I have ALREADY completed twice before. Gitmeid keeps coming back to me saying I didn't put something on it, when I wrote everything on that piece of paper that I was told. Here it is, the end of October and they are STILL putting me through this crap. They also give you the option after you have been in the program for awhile to be "qualified for a loan" for the remainder of your accounts. If you choose to do this, yes, all of the creditors will be paid off HOWEVER, it is now a "loan" and you will pay 24% interest for another 4 or 5 years. So however long you have been in the debt relief program will feel like you are starting all over again. NEGOITATE WITH YOUR CREDITORS YOURSELF OR FILE CHPATER 13...this was a HUGE mistake that I cannot undo now.

I wish I had been smart enough to have read all the fine print and figured out the final costs before going with this company; had I done so, I would have filed a Chapter 13 through the courts and saved A LOT! By the time Gitmeid figured in their monthly maintenance fees, in addition to their negoti...ation fees, it was definitely not worth it and was way more than I would have paid in fees had I had filed Chapter 13. In addition, filing Chapter 13 would have done no more damage to my credit than this has done. Please read the fine print and figure out the final cost BEFORE you sign up with Gitmeid or any other similar company and do a comparison to a Chapter 13. Not worth it!!!