Robert Stanley Gitmeid

Stay away is all I can say. Wish there was an option for zero stars. National Debt Relief forward me to this law firm. I was better off paying minimum payments than following their advice. They ruined my credit by advising not to make any payments and ignor creditors. There were accounts in go...od standings which I gave specific instructions NOT to include but they did. Outcome was the creditors in good standings closed my accounts. Gitmey gave me the runaround stating they didn't but they did. Found out after I demanded cease and desist. Four months passed and accounts became delinquent. Funny thing after 4 months accounts were not settled. Outcome was to sell my home and pay the creditors directly in full. Do NOT believe a word they say. They will say anything to keep you as a client just to cash in on their fees.

I been on the program for a number of years now, and Gitmeid has helped me to navigate and pay off my debt. I do agree the fees are high, but it’s better than being sued by creditors without any lawyer. Yes I could have filed for Chapter 7 bankruptcy, but I chose to go this route. Gitmeid has been ve...ry transparent about everything, and they were honest with me. I was told my credit score would plummet during this program, but it eventually brings your score up by paying off debt, and creditors will start offering cards. I am not supposed to use cards while on this program, which is fine. Overall my experience has been good. I have a few credit cards left to pay but the majority of all my debt has been paid off. Gitmeid has also worked with me on switching payment schedules in my financial situation, and they have always communicated and called me when debts were negotiated.

For four years, I have been trying to get my debts paid through this so-called "program." They made unauthorized debits to my bank account without communicating with me. I can never get ahold of anyone by email or phone. They paid themselves before paying any part of my debts--and in excess of what I... agreed to. My credit score has been horrifyingly low for all of this time--to the point that I couldn't obtain housing, buy a vehicle and was rejected from a job opportunity because of my bad credit. WHAT THEY DON'T TELL YOU: you will pay income taxes on the balance of your settlement; they take a minimum of 25% off the top as their fee; a "settled" account will irreparably harm your credit (you'll have to wait 7-10 years before it improves) regardless of paying on the debt and creditors can still come after you to pay-off the balance of settlement. You are not going to save any money--just buy yourself time. If you suffer a hardship and can't pay your bills, it's much better to contact the creditor directly!! This law firm is a joke. They are exploiting vulnerable, desperate people who are trying to do the right thing and need help. Using Gitmeid will only cause more harm.

DO NOT UNDER ANY CIRCUMSTANCES USE THIS "FIRM". If you are in credit card debt, you are probably feeling like this is your only way out. I am begging you to please not use this company. They are preying on and manipulating desperate people. I came to them with about $12,500 in credit card debt. ...They "settled" my debt for about 8,328.00 while I had been saving money in an account which they told me they would put towards my remaining debt. After 10 months I had deposited almost $3,000 to them and dropped my credit score almost 300 points because they told me I had to stop paying on my credit cards and pay them in stead. Next thing I know, they had talked me into getting a loan (which they pick for you) to pay off my remaining debt with an interest rate higher than my credit cards. At this point, getting a loan from them was the only way I could raise my now TERRIBLE credit score. They also kept all $3,000 from me that I had deposited over the last 10 months. So essentially I owe just as much money as I did before, I have an even higher interest rate, and I have a credit score so bad I can't even rent an apartment. They go so far in their client success kit to tell you to not even take a loan from a family or friend and use them instead. They say if a family member gives you money to pay off your debt, you should take all that money, deposit it into their "savings" account, stop paying on all your credit cards, ruin your credit score, and then let them settle your debts rather than just using that money to pay off your debts on your own. HOW DOES THAT MAKE SENSE?!! Read below: "If possible, would it be more beneficial for me to take a loan from a friend or family member versus pursuing debt relief? There are benefits to considering loans from friends and family (in some cases, they may not charge you interest or may offer more flexible repayment terms). However, unless your family member is paying off your debt without any expectation that you will pay it back, you will still need to repay what you’ve borrowed. In addition, borrowing from someone close to you may come with unwanted conditions or “strings” attached, and owing a friend or relative money may cause tension in your relationship. If you do choose to borrow from friends or family members, you have the option to use that loan to fully fund your dedicated savings account in one lump sum. In this case, the amount borrowed would be less than if you needed a loan to repay your balance in full." The Law Offices of Robert S. Gitmeid & Associates, PLLC are scammers, thieves, and criminals. STAY AWAY.