Joseph P Murphy and his law firm, The J. Murphy Firm, are legitimate and excellent.
A little background: We owed multiple thousands due to a truly and deeply unfair situation. We had read Kevin Trudeau's book Debt Cures "They" Don't Want You to Know About along with doing research on the excellent web site Credit Infocenter
We were getting close to the statute of limitations running out on this credit card debt, but one of the largest national debt collection companies sued us before the time was up.
We were going to try to fight it ourselves by filing our own answer (that is what they call the initial court filing) to the court based on the information gleaned from the book and especially the website, but given the amount of the debt, we did not want to screw this up. We felt maybe we could deal with a $5K screw up, but not a multi-thousand dollar screw up. We learned that if we had responses in our answer which were incorrect, it would become part of the permanent court record and very hard to recant. We just felt we could not gamble.
In the meantime, I received The J. Murphy Firm's "guarantee" letter in the mail and was very skeptical as well. However, through some research, I discovered his practicing status was active with no disciplinary action via The Disciplinary Board of the Supreme Court of Pennsylvania
So I called him up. He was courteous and helpful and explained how the process worked and how the guarantee worked. He won my confidence.
BOTTOM LINE: Within a month we received a Praecipe to Dismiss without Prejudice. In other words, the plaintiff (the debt collection company) dropped the charges. They dropped it for a whole of host of reasons which boils down to they could not prove the debt was ours or that is was properly assigned to them so that they could collect (or something like that). It is possible the plaintiff could re-file before the statute of limitations is up (which is 4 years in Pennsylvania) if they got the correct paperwork, but the likelihood is they will not be able to get that information. In fact, I have been told it is extremely rare that they ever do.
I am no lawyer, but I hope I stated this as clearly and accurately as possible.
So would I hire The J. Murphy Firm again if I needed to? Damn right in a New York minute I would!
P.S. Regarding a previous comment that he must sit around and type these letters all day is just stupid. My understanding is that he fights hundreds to possibly over a thousand of these each year. He explained to me that he has a highly automated, very high-tech system that generates these letters for cases he is fairly certain he can win. In fact, the majority of the process is automated, with the exception of some things including his judgment as to what is wrong with the plaintiff’s lawsuit, what objections to raise, and how to proceed. So that is why he can win so many cases a year charging such a low fee.