Customer ReviewsforOption 1 Legal

FOR WEEKS NON STOP, ON PHONE, ONLINE TRYING TO GET AHOLD OF YOU. TODAY I LET MY PHONE WAIT FOR OVER 4 HOURS AND NOOOOTHING! I HAVE A NICE SIZE GROUP OF PEOPLE AND A LAWYER THAT WILL BE TAKING YOU GUYS TO A COURT. WIN OR LOSE, ITS A PROCESS YOULL HAVE TO GO THROUGH, YOU KNOW SINCE YOU CANT ANSWER ANYBODY, FIGURED ID GIVE YOU SOMETHING FUN TO DO. YOU GUYS ******* SUCK AND AT THIS POINT ITS CALLED THIEF

I've been in a program with Option1Legal for a little over 4 years now. I missed 3 bi-weekly payments. I logged into the Option1Legal customer portal and saw notifications about my missed payments. I clicked the hyperlink in a notification and the message said I could email/call for help. Their hours are (9a-5p) and so are my working hours. So I emailed 3 times and finally got a response saying I had to call in. I called in... waited on hold for 47 mins and then hung up because I had to get back to work. I called again the next day, used my 1 hour lunch break on hold- no one answers- I hung up. I emailed again- and again, "I need to call in". I responded saying I've tried calling in and couldn't keep waiting on hold and asked them to call me instead. No one called! I called back again on 04/05/2024 and I got ********. He reviewed my account, said he needed to send me a form to e-sign and that would solve the matter. I signed it while on the phone with ********. He confirmed that he received it and I logged into the customer portal to make sure and it was attached- perfect! ******** said it would take a couple of days to go through and that my next draft payment was on 04/20/2024. I also tried to submit extra payments in their portal (outside of the draft payments) and got errors so I have to solely rely on those drafts to keep chipping away at my CC debt. I checked my bank account to see if the draft came out on 04/20/24 and it didn't. I logged into the customer portal and it has been cancelled. I called again today, waited for 1 hour and had to hang up again. I cannot get in touch with anyone there and I've already signed the form that ******** sent and yet my account is cancelled. I enrolled 9 credit cards- they've paid off 6 of them, 2 of them are currently on payment plans with the creditors and 1 is still pending this far. I'm not sure what's going on there now but I'm concerned about the legitimacy of this program. I'm not sure what to think or what to do.

I have the same problem, after four years they are scamming me.they only resolved three credit debt,one to go the biggest one ? No progress yet, I call them to ask questions about the pre settlement progress no answer are they closed good question does any one know.

I don't know how these people sleep at night. I reached out to them for help consolidating my debt after my divorce. The crazy thing is I could have done better on my own. I just handed them my money. I had $34k in credit card debt with no interest for 18 months and a credit score of *** when I signed up with them. Now 4yrs and 3 months later..I still owe 17k and I have a credit score of ***. After making payments of $500/month for 4 yrs. The majority of the money I sent in went to fees ?? Hopefully they are shut down before they take advantage of more innocent people.

DO NOT USE THEM!!!! Worst company ever. They stole my money just like they did everyone else. i wish i would have known prior to signing up. I have called them multiple times and nothing is getting done.

Awful company we’ve been paying them for four years, over $600 a month. They have received just under 35K from us and have settled less than 50% and are now stating that we have to continue to make payments to them for the remaining settlement until September 2024 when I original agreement said we had to make these payments for four consecutive years until August 2023. There is over $10,000 in unknown fees that they have charged us and taken and we are no better off debt wise. DO NOT USE THIS COMPANY

Better off declaring bankruptcy than dealing with this company. Just paid my last payment, 42nd payment, 20% of my debt has been supposedly dealt with and they say they need another 10 payments to finish their contracted job, Scam $19000 paid and the only thing they've done is set up a payment plan with 1 debtor, been sued an lost on 3 debtors because they never even contacted the company's...Joke

Option One is a scam....As I am reading all of your reviews I am going through the same situation with this Company. I already made my payments of $400 for 42 months which is almost 17,000. They have only paid 2 of my credit cards which they settle for $5000. Now they want to extend the program so I can give them more money. So what happened with the $12,000 that have already paid??? like seriously. That is not what we agreed on from the start they said, I was only going to pay $17,000 and they will cover all my debt. I guess not. Have any of you got your money back or resolved this issue? I mean is more than $10,000 that they are taking from me and I don`t find it fair. Please do not go to this people they are taking your money. I feel that I would have been better off making agreement myself with the creditors. FYI ( 0 on the Starts)

Worst experience! My total debt was a little over 28K they told me I can settle for way less around 20k ( mind you,they reached out to me initially) I don't like companies that take advantage of people especially when they are mentally or emotionally having a hard time going through financial hardship. They painted the outcome to be a great and here I am regretting it. I'm going to end up paying close to the Initial amount 28k, I understand it might vary, but if I knew there was not going to be much of a difference I would have never made such decision. I got my credit from 800 + to below 600. Guess what though they manage to collect their money, so I practically paid close to the full amount initially owed for them to put it in their pocket, plus OMG horrible customer service. I made big payments 3k, 2k and thought I was done. I still owe them around 5k that is 5k more than what they told me I will be settling for. I'm not working, got laid off. I'm a fulltime college student (Social Work) I had to take a college loan just to pay them more money. This is emotionally psychologically overwhelming. Im a single mom of 2. They are a FRAUD & they need to be stopped. How many complains...

Option 1 is the worst possible choice to go with when you are in financial hardship. I was in debt and looking for a way to climb out of it. I did not want to file bankruptcy, but looking back, it would have been a much better choice than the headache Option 1 had put me through. They are a scam and are only there to take your money. They are worse than a creditor because they try and pretend they are on your side.

Every month, they draft "fees" from an account you have to set up with them. Take it from someone who has been doing their "program" for 4 years, it is a scam and you should look anywhere else in the world than this company.

My initial debt for one account was $5,500, and after everything, I know owe over $11,000 based on the incompetence of Option 1 Legal. They do little to nothing to help and now I'm having to "extend the program" based on this new debt, and I'll still be responsible for more debt once it's done. My credit has plummeted these last 4 years based on the false belief that it would fall the first 2 years, then begin to rise after that.

I ask for answers over the phone and it's consistently met with putting me on hold just to reiterate their initial statements that gave me the questions in the first place. My life has been ruined due to Option 1 and I should have taken it upon myself to deal with creditors versus hoping a professional team could do that competently.

If you look at all the reviews, it isn't just me saying this company is awful. I promise you, look elsewhere for help, or call the creditors yourself and many of them will work with you. Don't make the same mistake I, and many others, have made, by trusting this horrific company with your money.