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Harbor Legal Group Debt Settlement Reviews

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Have you recently received an mailer or ad from Harbor Legal Group for a debt consolidation loan? Did you find out you didn’t qualify after applying but qualified for their debt settlement program instead?

What is this company? What does this mean?

Has Your Credit Been Negatively Affected? What Are Good Debt Consolidation Alternatives?

You joined a debt consolidation program, and now you may have been sued for unpaid debt and your credit score may have plummeted. So, what are alternatives to debt consolidation?

We built a free debt consolidation alternatives calculator below that compares cost, duration, and pros and cons of key debt consolidation alternatives.

 

Let’s go through the reviews.

Harbor Legal Reviews

In my opinion, two of the most unbiased, holistic review sites are BBB reviews and complaints and Google reviews. It may tend to be a bit more negative, but it seems to be a source of information.

What I found surprising was that there was a current BBB alert for Harbor Legal Group showing a pattern of complaint. It’s the first time I’ve seen this type of alert.

 
BBB put up an alert for Harbor Legal to warn individuals that they have received many complaints about the company not being honest in their pricing and service

 

So, what are the other reviews?

BBB

On BBB, Harbor Legal Group currently has a 1/5 rating based on 2 reviews, and a F rating. When I see these types of reviews, I wonder whether someone else is signing people up for Harbor Legal Group, and that Harbor Legal Group is not doing direct marketing.

 
 
Harbor Legal has an F rating on BBB

 

Both of these reviews mention that Harbor Legal Group does not do their job or hold up to their end of the agreement. One review even mentioned that they paid over $33,000 and the legal group ended up just pocketing $18,000 and the debt was still not paid off.

Photo showing two reviews giving Harbor 1 star

 

Google

On Google, Harbor Legal Group has a 1.5 rating based on 24 reviews.

Picture shows the Google rating/reviews for Harbor Legal Group.
 

One of the reviews mentioned that Harbor gave him the run around and when he tried to contact them to resolve the situation, he ended up being on hold for over 3 hours. After giving a bad review and making a complaint on BBB, the legal group contacted him to try and make things right. However, after rejoining the program, the exact same thing was done. They did not resolve the accounts.

The other review also says they were on hold for an extended period of time and that Harbor Legal Group did not deliver on their services and made excuses. There is little to no communication and this review actually tells people to stay away from Harbor Legal Group.

 
A Google review of 1 star

Another Google review giving 1 star

 

So, What is Harbor Legal?

Harbor Legal Group appears to be a law firm that is pitching debt settlement. I wouldn’t be surprised if Harbor Legal Group was tied to a much bigger organization as it appears that there are more of these firms that have similarities.

When I look at these companies, I like to understand how old the website is and see any information I can about the company.

What I found interesting is that Wayback machine image of the Harbor Legal Group shows that the website has been around for over 8 years, so it appears that this company has been around for a while.

 
Image shows that Harbor Group Legal Group's home page has been around since at least March 20, 2015.

 

Your Options

If you are considering continuing in the program with Harbor Legal, consider doing research on your own and reading their Client Services Agreement. Some questions to ask yourself would be, why are they taking out fees before any action has taken place? What are they actually doing? What is the percentage in fees that they are charging you?
 

If you’d like to cancel, you may be able to contact them directly, but you may also have to get assistance from your bank if they do not allow you to cancel the program easily or if they are unreachable.

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Reviews

★★★★★

5.0 stars from 280+ reviews

Synthia DuBose

 08/21/2023

My family was grappling with the burden of credit card debt. We had explored various avenues, including debt relief companies and consolidation loans, but everything seemed dubious and left us feeling uncertain. That all changed when I came across Ascend and had the opportunity to connect with Justin. He reached out to me on the very same day, and from that point forward, things took a turn for the better.

I provided Justin with an overview of our financial situation, our objectives, and the timeline we hoped to achieve our goals within. He promptly outlined the possible courses of action and presented a thorough breakdown of our various options. What truly stood out was Justin’s approach—he never pressured me into making a quick decision. Instead, he offered me the information and allowed me to ask questions at my own pace.

Upon selecting the path we wanted to pursue, Justin facilitated our connection with a non-profit organization. Much to our delight, they exhibited the same level of courtesy, expertise, and patience that Justin had demonstrated. In retrospect, the entire experience instilled a sense of confidence within us. We now believe we have a solid foundation and are well on our way to achieving financial success!

Dahveed Krisna

 07/26/2022

Ben and his assistant Jeffrey from Ascend Finance did an awesome job helping me to find an attorney who could talk with me openly and honestly about Chapter 13 as an option for my financial situation. Before finding out about Ascend’s bankruptcy calculators, I was stuck on a wheel of countless offers for consolidation loans, but always steered towards debt settlement or debt management plans over and over again due to my credit score and high utilization percentage. Based on data I entered into Ascend’s calculator, Ben and Jeffrey reviewed my situation and quickly connected me with a skillful, experienced bankruptcy attorney. I finally feel like I’m on the best path to being debt free; one that will save me a lot more money than any of the debt settlement or debt management programs that other companies and agencies have offered me… THANKS Ben, Jeffrey and Ascend!!

JorJor Binks

 02/09/2024

These guys are truly a beacon for those of us with too much debt. From the start where I found Ben on the YouTube channel Ascend I have been treated as a real person by real people. Even getting a personal call helping me figure things out. I went through one of the lawyers recommended by Ascend and as of January 2nd I am debt discharged, and already have a great credit card from Mission Lane for $2000. Things are getting back into place and my life feels so much less stressful due to the weight of debt being off my shoulders.

PLEASE give these guys a call if you are even considering any sort of debt relief be it bankruptcy, consolidation, or whatever other types of debt relief are out there. I can’t thank the Ascend team enough. (I was not paid to post this, or told to do this. I am genuinely so thankful to have the help when I needed it most♥️)

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