Persels and Associates: How dependable is it?

Persels and Associates is a law firm providing legal services across America and helping individuals get rid of their debts. Glance through the topics given below to know more about Persels and Associates.

What do customers have to say about Persels and Associates?

If you are wondering "Is Persels and Associates good?", you should be aware that there are mixed reactions regarding this company. Customers have expressed their views in the Debt Consolidation Care Community Forums. There are customers who are satisfied with the services the company provided, and there are also others who have made complaints against Persels and Associates in the forum. Here is what the customers have to say about this company:

Positive feedback

  • Settled debts successfully: Customers have said that Persels and Associates settled their accounts successfully and they are quite satisfied with Persels' work. Get more details…
  • Offered good legal help: Debtors have expressed their appreciation for Persels and Associates legal guidance when settling their debts. These customers seem to be very happy about the fact that they were helped by a law firm that took care of the legalities of their debt settlement procedure. Find out more…
  • Transparency in the way they work: Customers have offered Persels and Associates reviews about the transparency the company provides. They have mentioned that the company has been honest about how they use their customers' money for settling debts and how much of the money goes towards paying their legal fees. Get more details…

Negative feedback

  • Could not settle debt: Customers have complained that Persels and Associates charged them regular fees but were not able to settle their debts or protect them from lawsuits. Learn more…
  • Took money from the trust but settled only the smallest debt: One complaint about Persels and Associates stated that they only settled the smallest of the debtor's accounts, even though they collected about $3000 more than the amount of the debt in fees. Find out more…
  • Customers faced legal notices: Debtors have complained that despite enrolling with Persels and Associates debt settlement firm, they have been sued by creditors. Customers have also complained that they were not represented by the company in court and that they ended up filing for bankruptcy. Read further…
  • Not keeping track of the work they do: One consumer complained that Persels and Associates (Care One) did not keep track of the work they did on his account. The customer also complained that he was not able to get any information from Persels and Associates. Get more details…

You may contact Persels and Associates via e-mail at "".

How does a proper debt settlement firm work?

So that scam companies cannot trick you and get your money without offering you any services in return, you should be aware of how a proper debt settlement company functions. Take a look at how they work:

  • Debt settlement is the process where you negotiate with your creditors to pay less than what you actually owe. Here, you ask creditors to forgive a certain percentage of the debt amount. Through this program you may be allowed to pay 50% - 75% of the total debt and settle the account.
  • Qualification for a settlement program may mean that the creditors require you to pay the settled amount in a lump sum, or you may be permitted to pay the money in installments over a short period of time.
  • In certain states it is illegal for a debt settlement company to advise you to stop paying your debts in order to save for a lump sum settlement. You should do some research to make sure the debt settlement company you have chosen is complying with your state's laws.
  • A debt settlement company will charge you to do your settlement. If you are getting professional help, you should ask the company about their fee structure before you enroll and make sure they keep their word. Ask them how much money you will be required to pay every month, and out of that, how much would go towards your debt payment and how much will be taken out for the firm's fees. Some companies like to keep their processes transparent while some don't.

When shopping for a debt settlement company, compare fees and services from at least more than 3 or 4 settlement companies before enrolling with one. You will have a better idea about the companies and which offer is best for you.

Posts: 2
Credits: 583.15

I'm working with Care One and they want to refer me to Persels and associates llc for a debt settlement program. Our credit sucks - so I'm not worried about a settlement program damaging our credit- I'm more concerned about the fees. The guy from care one, said I'd have to pay 100.00 to retain Persels & Associates debt settlement company. What other fees do they make you pay? I read online that a lot of times they want the fees up front. I can not afford a lot of fees - hence why I'm looking into a debt settlement.

Does anyone have advice on this? This is just stressing me out to the max. I do not feel like myself anymore. :( I just want all this crap to be taken care of...

Thanks in advance.



Sub: #1 Persels and Associates
Tue, 12/18/2012 - 19:06

They are very dishonest company, they took my money and now I am being sued by companies. I am still in shock, they came recommended by care one. My recommendation would be to stay clear of that company and this is from personal experience.


Thu, 12/13/2012 - 07:05



Sub: #3 call for yourself
Mon, 06/18/2012 - 12:01

I work as a legal collector for a nation wide legal collections law firm.... The best advice is to keep your money and call and work out your own settlement ........ why would you pay some one to talk ? the same conversation you going to have with the account manager ... is the same they will your own bills and not pay someone to pay your bills


Sub: #4 confused and out of $$$
Mon, 07/04/2011 - 06:17

Ive been with careone ,who then sent me with persel the councelors im working with are very supportive and kind but I just pd them 193$ to settle a 400.00 debt.. i still owe a 3000$ debt how much more will they charge .Im praying Ive made the right chose.I just wish i had it to do over NO CREDIT CARDS for me!!!Im so scared about this Im on anti depressants.. Thanks for letting me vent:confused:

Debt Samaritan
Posts: 150
Credits: 2948.35

Sub: #5 i forgot to mention this in my prior reply.. care one referred u
Mon, 06/13/2011 - 20:33

i forgot to mention this in my prior reply.. care one referred us to persels immediately after we discussed our debts and stuff with them. i recently filed a complaint against persels with bbb, and they are saying they sent out the letters to creditors the day after we "retained" them (dec 09), which the person i was dealing with there told me repeatedly that they would NOT contact creditors til after first months pay was received by them.we cancelled enrollment several days after enrollment.. i wont get into the details of what is going on with the bbb complaint too much, but all in all, they are trying to weasel their way out of it. i have a document from one creditor that states they received the "retainer" notice in march of 2010, then a second letter in april 2010 stating we had cancelled our debt settlement enrollment. please explain to me, if the letter was mailed in december to creditors, why did it take until march for them to receive this letter???


Sub: #6 I hired Persels and my debtors are suing me anyway. The lawyer
Tue, 05/03/2011 - 16:23

I hired Persels and my debtors are suing me anyway. The lawyer there won't give me any help with it and threw me to the lions. These are debts of $4000 and $3000. Two lawsuits. Maybe I'll go totally bankrupt if I can find a lawyer who accepts payments. I can't deal with the stress caused by Percels and am canceling immediately. If you are considering them, be aware they will throw you in the street and probably keep your money if you get sued.

Debt Samaritan
Posts: 150
Credits: 2948.35

Sub: #7 avoid persels - period ! we talked to care one & was referred t
Fri, 04/29/2011 - 21:19

avoid persels - period ! we talked to care one & was referred to persels. they told us all the info, including the fact that they WOULD NOT notify our creditors that they were representing us until AFTER they got the first monthly payment in the account. we signed on, got more papers via email immediately to look over after that, then didnt like what we saw, called back the next day (within 24 hours of signing on with them) and cancelled enrollment. 3 months later, we learned that 2 of our cc's that we had remained current & never missed a regular payment on- had been turned into collections at zwicker & associates, then the next month, another one had been turned over to z&a. i called and talked to p& a about this and had them fax another document to me showing the day we enrolled and day we cancelled enrollment. they just outright lied about that. glad i saw the light quickly via the papers they sent via email & cancelled before they really made a mess of things. i had to call my other cc banks and let them know i had document to show that we cancelled the enrollment and were not involved with any debt settlement company. it is odd that they all said they had not received any notice from any settlement company, yet the 3 did ! what a mess that was


Sub: #8 So I was getting divorced and in Debt BIG 6 figure debt and sign
Fri, 04/29/2011 - 17:12

So I was getting divorced and in Debt BIG 6 figure debt and signed up originally for debt settlement back in 2007 the fees were reasonable and I thought this was a way out. After 6 of my credits would not settle with them I opted to changed and file bankruptcy. (Talking to my creditor found out Persels collects fee's first and then pays creditors which is why so many will not work with them) No problem they told me. That was November of 2009. Still no Filing 3 different lawyers and now no one returns my calls and about once a week I get an email. I'm taking my tax return hiring another attorney. I've already filed a complaint with the BBB, The Bar Association, The Attorney General and the FBI because while they were giving me the run around I was educating myself! I only want my $2000 back and for them to be out of business so they can not do this to someone else. Simple!


Sub: #9 i was with them for a long time, im filing bankruptcy through th
Wed, 02/16/2011 - 10:10

i was with them for a long time, im filing bankruptcy through them. they were easy to work with..they settled a few of my debts, unfortunately i have WAY too many, and i managed to accumulate two repos and a few other small debts outside of the program, during my time with persels, i did recieve one lawsuit, which was dismissed after i called persels and told them about it.


Sub: #10 P.S. Someone in one state will have a different experience than
Wed, 02/02/2011 - 08:07

P.S. Someone in one state will have a different experience than someone else in another state. Each state has different laws and procedures when it concerns debt settlement and I'm guessing Persels is probably different in each state so people really need to put the state where they're having their good or bad experiences.

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