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

Debt Relief / Lawyer / Elite Legal Practice
Writer: Ben Tejes
April 20th, 2023
Ascend's Editorial Integrity
Writer: Ben Tejes
April 20th, 2023
Ascend's Editorial Integrity
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. I 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 will 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?

Let’s now cover what Elite Legal Practice is.

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 the 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 attempt 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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