Monarch Legal Group, LLC

DO NOT enter into any agreements with Monarch Legal! Every thing I was told when enrolling was not accurate and when brought up to the representatives at Monarch the answer was always, “I don’t know why you were told that.” They will state they begin negotiations day 1, that is a false statement. Three of the creditors I enrolled had not received any word at all from them 4 years after my initial enrollment. When I asked about this again I was told, “I don’t know why you were told that.” They will tell you the impact to your credit score will be minimal and temporary, 4 years later my credit is now worse than it has ever been. Due to this I have been denied home loans, auto loans, and other financial needs due to their lack of fulfillment of their promises and guarantees. I have had no choice but to file for bankruptcy at this point as the debt enrolled with them has never been touched and I cannot afford to keep paying them for nothing. I was told a refund would be issued once I removed all debt from the program, well “mysteriously,” my account number that had been on file with them for 4 years suddenly was changed to an invalid number. The refund has now been delayed another full week! Disgusting company that is not helpful at all!

Don't sign nothing with monarch They will keep your money. They will not help you With your Debit collect You're credit will get wurst. They will tell you The money they collect From you every month it's gone towards the Credit That's not true the first Two years all the money They will collect for them. They are just going to pay $100. to the credit card The rest is for them. They will not help you. I was with them for 2 year I pay $11,000 to them they just pay $2000 to the credit Every time I ask them Where is the rest of the money going to? They respond to me back. You are paying fees They didn't tell me when I Sign in with monarch. Is a scam don't trust them. We should sue the company

When I first enrolled in the debt relief program, I was relieved thinking there was a light at the end of the tunnel. I was initially told my debt would be settled in 2-3 years. I am going on year 4. Though many debts were settled, I have spent more fees than settling my debt and my largest one still remains. Yes, my debt is my fault, but I don’t recommend this company. I am no better off than I was 4 years ago. I wish that I would have figured out settling my debt a different way.

All that happens is I keep getting garnishments....they are overbooked for their staff. They have charged way more than they are worth.They have settled some of the debt for less but the fees have out paced any advantage. Call your creditors handle your own debt seek legal advice case to case as needed. This all opi ion based of course ...your mileage may vary. Bottom line is pay down debt use credit as a debit you pay each month to zero balance.

On January 29, 2021 I made my first payment to Monarch Legal in the amount of $397.69. This amount would be my monthly payment towards an “account” they set up for me to consolidate and settle my credit card debt. After making my payments for 8 months I saw no progress towards working on my debt resolution. At the time all of my credit accounts had on time payments and Monarch told me to stop making all payments. I did as they stated trusting the fact that they were a law firm and originally showing an A on the BBB website. When I called to end my “agreement” with them they told me that I had $1,907 in legal fees that would be reduced from my account. No legal action had been taken to resolve my debt. No case was built. When I brought this up I was ignored and just repeatedly told I had legal fees for no legal action being taken. This in turn dropped my credit score by 200 points, I lost $2,018.45 which all could have gone towards my credit card debt and kept everything in good standing. This has caused an extremely large amount of stress as I’m still trying to catch up all of the problems they have caused me financially. That’s 2 years later and I’m still struggling to resolve the damage they have caused to my life.