Option 1 Legal

Lisa L 

on BBB

2 years ago

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 h... read more

David W 

on BBB

2 years ago

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 b... read more

Terri G 

on BBB

2 years ago

I was ripped off I paid them over $16,000 and they paid off $4100 in credit card debt and said I have $550 in my account what happened to the $12,000 more that I paid them I now have 16 months left and there's no way that they would've paid the additional credit cards off in that amount of time I got screwed and now I have to handle it on my own because yesterday I canceled with them and I will sit and wait probably for the money that is in my account I am so upset that I trusted them I should've ran away from them months ag... read more

Erika M 

on BBB

2 years ago

I enrolled with this company for a two year program. I made all my payments on time and even sent extra money for 6 months because they always estimate on the low end of what they end up being able to negotiate. So, I have one last account. The money is sitting in the account with *********************** - over $2,000 and I approved the settlement with Option One on March 30, 2022 (I have the records). Option One never told *** to cut the check and, in fact, canceled my account so I can no longer log in and view anything. I ... read more

Gary G 

on BBB

2 years ago

I opened an account with Option 1 Legal three years ago. I wanted to do the right thing and resolve credit issues with 11 accounts which were enrolled in the program. To date about $2500. has been paid out on my behave to settle with 5 creditor. Everything good until I received 2 summones to court, being sued for nearly $4500.00 just in this month of May 2022. I sent the court papers to Option as instructed and soon learned they wanted a one time payment of just over $9000.00 to complete the program. If I had $9000.00 on han... read more

Shirley B 

on BBB

2 years ago

Horrible experience: YOU HAVE BEEN WARNED! Negative stars if that were possible! Option 1 Legal cancelled a debt settlement agreement without my knowledge or permission. No payments were made on a court filed settlement agreement. The attorney they assigned me missed deadlines and was a joke at communicating with me. Long story short, my bank account was levied because Option 1 Legal NEVER made any payments toward the agreement since agreement agreed upon in May of 2021. I don't blame the credit card company for levying my b... read more

Carrie B 

on BBB

2 years ago

I started with this company almost 3 years ago. They had settlements with 2 creditors with in the first year so I was happy then July of 2021 hit. I have now paid off 2 of the 11 cards they had I have 4 garnishing my husband and one more about to because it is in litigation and this company does nothing with litigation. I have been trying to get enough money back from them to have a down payment for the cards that are garnishing my husband they keep way low balling me. If I could leave a 0 stars I would this company is horri... read more

Christal D 

on BBB

2 years ago

Worst company I have ever dealt with. Don't get on your creditors they way they should. Feel my monies paid for others accounts not my own. Just very bad experience!!!! 

William G 

on BBB

2 years ago

Do Not Use this Company for Debt Consolidation. I paid $450 for almost three years ?? one of there tricks is they do get a lower settlement once you agree and they make the payments for you they adjust your account back to the amount of the original debt. I finally closed my account almost two months ago and contacted the credit card company myself. They informed me that they had received a letter from Option 1 Legal but after that there was no contact made to settle the debt. I spoke to the attorney from Option i that has h... read more