Debt Relief / Lawyer / Monarch Legal Group

Monarch Legal Group Reviews: 3 Things To Know

Written by Ascend Team
Updated Jan 30th, 2024
1/29/2024 Update: Monarch Legal Group was mentioned as a potential facade law firm indicated in the CFPB lawsuit for deceptive debt relief practices.

As such, I shot this video below to help you understand what's going on. Please considering watching the video and then calling or texting me at 408-543-8617 if you have any questions about your options next.

Did you get a debt consolidation mailer promising a low interest rate debt consolidation loan, but ended up in a consolidation program with Monarch Legal Group?

Operating as an independent law firm, Monarch Legal Group appears to focus on helping with settling their debt, but may take an upfront fee in doing so.

Although firms like Monarch Legal Group are viable options in specific circumstances, it's essential to be aware of their potential risks and negative impacts. Several factors come into play when determining the possibility of settlement. This article features the factors involved in the possibility of settlement with Monarch Legal Group.

What Is Monarch Legal?

We found out more about Monarch Legal Group through a Strategic Consulting Lawsuit.

Monarch Legal Group, based in Chicago, Illinois, is a law firm led by its founding partner. This legal firm specializes in credit repair services, legal advice, and power of attorney. 

Monarch Legal Firm operates as an individual law firm without affiliation with any government agency. The firm assists individuals in reclaiming control over their finances. They assist people facing wage garnishment, foreclosure threats, overwhelming debt, or creditor harassment. 

Initially, Monarch Legal Group was owned by women and located in downtown Chicago close to numerous clients. The firm's growth is a result of partnering with prominent technology companies. Monarch Legal Group's contact information is as follows:


Monarch Legal Group,
203 N La Salle, Chicago, IL
60601, United States


+1 877-450-8853

Now, if you are struggling with making payments on your debt and wondering what to do next, we built a free, unbiased debt options comparison calculator (not even an email address is required) that provides a wide range of debt options that may be able to fit your budget. The data is personalized to your income and expenses, so you can get accurate costs, pros and cons, and options.

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.

Monarch Legal Group Reviews

Monarch Legal Group has significant debt resolution services and customer satisfaction issues. The high number of complaints, negative reviews, and allegations of fraudulent business practices raise serious concerns about the company's reliability and ability to fulfill its promises. 

These reviews represent the experiences and opinions of consumers. Among the concerns that the reviews highlight are:

  • Undisclosed fees
  • Inadequate representation
  • Poor communication
  • Unsatisfactory customer service


Picture of Monarch Legal Group BBB

Based on the reviews provided on the BBB, Monarch Legal Group has a significant number of customer complaints and negative reviews. The law firm has received 109 complaints in the last three years and 37 complaints in the previous year.

One of the recent complaints mentions problems with Monarch Legal Group's services. The customer states that they have been enrolled in a debt resolution program for the last three years but have yet to see much resolution on their debt. They express dissatisfaction with the fees charged by the company and the lack of transparency regarding those fees.

Out of 42 customer reviews, Monarch Legal Group’s average rating is 1.17 out of five stars, which is extremely low. Other consumers claimed that the law firm did not fulfill their obligations in settling debts.


Picture of Monarch Legal Group Google Reviews

Monarch Legal Group's overall Google rating is 2.2 out of five stars, indicating a subpar experience. The company has received negative feedback from several customers. One consumer expressed dissatisfaction with the program, stating that only 36% of his debt was resolved after three years. He also mentioned a default judgment and a significant wage garnishment. 

Another consumer gave a one-star review and regretted not researching the company thoroughly. She claimed to have lost over $20,000 since 2019, as Monarch Legal Group did not meet her expectations in resolving her debt with creditors in good standing.

Other consumers highlighted multiple issues with the management of the processes. Based solely on these reviews, it is evident that the Monarch Legal Group has issues in delivering satisfactory services to its customers.


Picture of Monarch Legal Group reviews on TrustPilot

Most reviews on TrustPilot are negative, with a significant number of one-star ratings. Monarch Legal Group has a rating of 1.8 stars. One consumer claims to have paid $500 monthly for three and a half years, only to be faced with additional charges and an extended contract.

Another consumer who had a negative experience with Monarch Legal Group accuses the firm of being unresponsive and compares them to thieves. He mentions their failure to return calls and expresses his frustrations with their lack of customer service.

Debt Relief Law Firms May Charge Upfront Fees

Like any other debt settlement company, Monarch Legal Group charges upfront fees. Shouldering legal fees to initiate or defend a claim can be overwhelming. However, Monarch Legal Group offers a range of litigation funding options tailored to case any consumer’s financial situation. Some of these options require no upfront fees.

The litigation fees solicitors assess the viability of various funding options and collaborate with consumers to determine the best fit for their needs. Monarch Legal Group’s available litigation fee alternatives are:

  1. Fixed Fees: With fixed fees, consumers and their solicitors agree upon a predetermined amount for the legal services required.
  2. No Win No Fee: Clients do not pay any upfront fees under this arrangement. They only pay legal fees if their case is successful.
  3. Pay as you go: This option requires a certain amount of upfront fees. Consumers make payments for legal services on an ongoing basis.

Consumers should choose the most suitable funding option to minimize costs and alleviate stress.

How Debt Settlement Works

Debt settlement becomes relevant when a consumer has numerous missed or late payments. In this case, your credit scores will suffer. Debt settlement companies like Monarch Legal Group negotiate with your creditors to decrease the amount you owe.

However, debt settlement may not apply to certain types of debts, such as cars that can be repossessed or a house that can be foreclosed upon. Monarch Legal Group offers settlement plans only when consumers cannot make any payments. 

Once this legal firm determines that your account has accumulated enough funds, it negotiates with your creditor on your behalf to accept a reduced amount. Other debts like federal student loans are generally not eligible for settlement. 

Alternatives to Debt Settlement

There are four other alternatives to debt settlement, which offer significantly less risk and can help you pay off your debts more effectively. Below are the options:

  • Debt Consolidation Loan: With this plan, you can combine multiple debts into a single loan with a lower interest.
  • Debt Management Plan: This plan involves working with a credit counseling agency to create a personalized repayment plan.
  • DIY Debt Negotiation: If you feel comfortable negotiating with your creditors directly, this plan will work for you.
  • Balance Transfer Card: A plan that allows consumers to consolidate their credit card debt onto one card and save on interest charges.
  • Bankruptcy


Although consumer reviews represent the reviewers’ opinions and experiences, they may not reflect the overall quality of Monarch Legal Group. Consumers should gather information from multiple sources before considering this firm for debt settlement services.