Herbert Davis

I bought into this program because it was recommended to me by an email from, as it turns out, the same company that holds your money in trust for Herb Davis until the bank/credit card company gets paid. I was on their 36 month pay as you go program which was being deducted out of my checking account..., EFT, monthly. HERB REQUIRES 40% to settle 100% of the debt. When you have enough money in your trust account, Herb sends the bank a check for about 10% of what is owed on the Credit Card balance, and he keeps the other 30% for himself (profit & expenses). His trick is to send a letter with the "payoff check" (the 10% of your debt) saying that if you accept this check, you are agreeing to the terms outlined in the letter, which states that the check amount is considered satisfaction of the debt. Most people know that when you send a check to a lock box, the check gets cashed and the letter, well I'm sure it never gets read or forwarded on. On the accounts that Herb Davis has worked on to settle, none of them have a zero balance as I was promised, the balance continues to grow, and the only difference between now and before I contracted with Herb Davis is that my balances have only been lowered by the amount of my money that Herb sent to them trying to get them to wipe out the debt. (the 10%) I could have done that and saved myself the 30% he kept, and refuses to return. In addition he has kept the remaining money in my trust account that was building up to pay off the next credit card balance, even after I cancelled my contract with him, a large 5 figures amount remains in trust (what an interesting name for the place they keep your money). They ignore my phone calls, promise to get back to me, and never do, are very unorganized, and the program did not work for me. RUN, AWAY AS FAST AS YOU CAN !!!!!!!!!!

The Law Office of Herb Davis was able to reduce my stress! after being in the program that Herb Davis offers i made a lump sum payment instead of being in the program for a full 36 months. The lump sum payment was the best decision i ever made, this helped with my credit problems and my debt by gett...ing it done quicker. Thanks to Herb, Rick, and the whole staff for making great suggestion. Yes it would have been better to pay my bills in the beginning but nothing works out in life as planned.