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Liberty First Lending, a relatively new player in the debt consolidation space, offers loans ranging from $2,500 to $45,000 with APRs from 5.99% to 29.99% and a 4.9% origination fee. While their application process is straightforward and they advertise no hidden fees, the company has mixed reviews. On BBB, they have a 3.2-star rating with concerns about customer service, while BirdEye shows a high 4.9-star rating, though some reviews may pertain to their affiliates rather than Liberty First Lending directly. Before committing, it's essential to research thoroughly and consider all options.

For a more established choice, CuraDebt stands out with over 24 years of experience in the debt relief industry, offering comprehensive debt relief programs and a proven track record of helping clients effectively manage and reduce their debt.

Thread: Debt Management Vs. Debt Settlement: What Suits You Best?

When dealing with debt, choosing the right strategy is crucial for financial recovery. Two common options are Debt Management and Debt Settlement. Understanding the differences between these approaches can help you make an informed decision based on your financial situation.

●       Debt Management: This involves working with a credit counseling agency to create a plan that consolidates your monthly debt payments into a single payment. The goal is to pay off your debts over a set period, often with reduced interest rates. Debt Management is generally suitable for individuals with a steady income who can afford to repay their debts in full.

●       Debt Settlement: This strategy involves negotiating with creditors to reduce the total amount of debt owed. Debt Settlement is typically pursued by those who are unable to make their full payments and prefer to settle their debts for less than the amount owed. While it can offer significant relief, it may also impact your credit score and take longer to achieve.

For a comprehensive guide on choosing between Debt Management vs. Debt Settlement.

Thread: Consumer Legal Group Reviews – Quick Overview

What is Consumer Legal Group?

Consumer Legal Group provides debt validation services, similar to what Litigation Practice Group used to offer. They send validation letters to creditors, but if the debt is valid, it's easy for creditors to validate it. You can also send these letters yourself without paying high fees.

Why Are They Calling You?

They may be reaching out if your account was transferred and you haven’t signed their retainer agreement yet. Make sure to understand the full context, especially if your account was previously with the Litigation Practice Group. If Consumer Legal Group is charging high fees, ensure you understand what services you're paying for. Sometimes, you might be paying for something you can handle yourself.

BBB: Consumer Legal Group has a D rating and is not accredited.

TrustPilot: They have a 4.2 rating, with mixed reviews. Some have had positive experiences, while others faced issues with cancellation.

Consider CuraDebt

For a more established and reliable option, consider CuraDebt. With 24 years in the industry, CuraDebt offers a comprehensive range of debt relief programs and has a strong track record of helping clients manage and reduce their debt effectively. Explore your options carefully to find the best fit for your needs.