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Elite Legal Practice Reviews: What Type of Debt Resolution Is this?

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This article is for informational purposes only and should not be construed as legal or financial advice.
Did you receive a Point Break Financial debt consolidation loan mailer where you did not qualify for the loan, but you did qualify for a program through Elite Legal Practice?

My name is Ben, and I have spent the last 5 years helping people understand the differences in options to help them eliminate debt cheaper, easier, and faster. I have uncovered debt consolidation scams. I was also one of the first to write an article covering the unfortunate Litigation Practice Group bankruptcy have spoken with countless people negatively affected by it.

I created “Your Debt Relief Pal” to help protect you from debt companies that may use deceptive marketing and provide you with realistic estimates of your options for debt freedom.

 
Did they say they resolve your debt for a lower monthly payment than your current obligations? What are the Elite Legal Practice reviews?
 
Elite Legal appears to be pitching something called debt validation or debt collector mitigation or something where they are going to “fight for your rights against collectors” and potentially sue them on your behalf.
 

What in the world?

I will cover more ELP reviews later, but I found an interesting Google review. This essentially talks about how this company allegedly works. 

I found the company’s response equally intriguing.

The company’s team states that she was let go and was a former employee and that the company is bar-certified and BBB-accredited. My question to the owners though is, “why would Tonisha share this information if it were not true?”

And, do you have proof that anyone gets a loan from the Point Break Financial letters? If so, what percentage gets a loan and what percentage gets recommended to your debt validation program?

Check Your Rate and Compare Options!

You may be looking for a debt consolidation loan, but do you qualify? Is your credit score good enough? Is your debt-to-income ratio or credit utilization good enough?

I helped build this free consolidation loan and other options calculator to help you compare your rates across multiple debt consolidation lenders and your options to other options if you cannot qualify for a loan. It’s specific to your financial information, so if you have $10,000 in debt, it will provide an estimate of your situation.

You can then check your rate, which will NOT affect your credit score.

If you do check your rate, understand the interest rate and the origination fee to see how much you will save by consolidating your debt. The above options do not charge prepayment penalties and have fixed rates, but if you use a different lender, these are important characteristics to look for.

Let’s now cover what is Elite Legal Practice.

What is Elite Legal Practice?

We recently heard of Elite Legal Practice from someone who contacted us and was potentially concerned about what was happening. When we reviewed the company, we found Elite Legal Practice appears to be a potentially new entity that is now helping previous clients from Litigation Practice Group.
For example, there were no results from Wayback Machine (a website that tracks the changes in websites). This doesn’t necessarily mean the account is brand new, but it’s interesting to note.
Page shows that Elite Legal Practice does not have a recent scrape from Wayback Machine.
 
 
In addition, the Elite Legal Practice Facebook transparency page shows that the Facebook group was just created on March 22, 2023.
 
Picture of Elite Legal Practice page transparency.
 
 

What Does Elite Legal Debt Resolution Program Mean?

One of the most helpful things to understand is that debt validation or debt collection mitigation is not debt settlement. For example, in debt validation, you are NOT putting money towards settling the debt, which is often why debt validation quotes are so much less than debt settlement quotes. We actually just published a video on YouTube covering “Don’t Do Debt Validation Before...” covering the differences between debt validation and debt settlement, but it’s important to understand the differences because you could get an estimate of $400 per month from a debt validation company, but $800 per month from a debt settlement company.

Generally, debt resolution is another name for debt settlement, but it appears that this debt resolution is more similar to debt validation. In debt settlement, your money is tied to an escrow account that is used to pay off creditors.
What Elite Legal Practice does is potentially send debt validation letters and attempts to invalidate the debt and fight creditors who are doing things that are not okay. The law firm may also represent you in court if you are being sued by your creditors. It also may look for FCRA violations where a creditor or collection agency is wrongfully trying to pursue money from you.

Understand the Reviews

At the time of this writing, Elite Legal Practice has a 4.6 Google rating from  63 reviews. You may want to consider reading through both the positive and negative reviews.
 

Per BBB, Elite Legal Practice has an A- rating and 6 complaints in the past year.

Please note some of the complaints I found interesting.

First, this individual stated that he thought that Elite Legal Practice was a debt management company, and had a difficult time canceling.

This individual appeared to be able to get a refund after complaining to BBB.

Understand Your Options

You may wish to continue with Elite Legal Practice, but it may be helpful to understand a breakdown of all the services that you are paying for.

Also, check out a debt validation article showing how debt validation works.

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2 responses to “Elite Legal Practice Reviews: What Type of Debt Resolution Is this?”

  1. Jeannine Weinstein Avatar
    Jeannine Weinstein

    Holy Crap I just signed up with these guys two days ago. I had my “welcome call” and started to get confused when I realized the monthly fee of $449.00 was for the law firm only and none of that money was going towards my debt. Then I realized further into the call that it could take anywhere from 18-36 months for a credit score to go back up. My payments would have started on October 4 and after reading this article I immediately called them and cancelled. They gave me no issue and said I would not be charged. They did tell me I would be getting a follow up call in 24 hours to complete the termination. I hope they do not charge me. i will call my bank and put a stop payment from them. I can’t tell you how relieved I am that I found this article. Thank you. If you have any advice for me I will gladly take it.

    Reply
    1. Ben Avatar
      Ben

      Thanks for sharing your experience, Jeannine! So to understand correctly, you thought this was a debt settlement firm, but are now just finding out that it was a debt validation firm?

      Reply

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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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