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Persels and Associates / Non performance and fraud

1 MD, United States Review updated:
Contact information:
Phone: 8006439210

I contacted them in Oct. 2008 to file personal bankruptcy. They were recommended by Care One Credit Counseling.

They took $1500 which I could ill afford, and told me my court date would be Jan. 09. It's now mid March, and I can't get any information from them about my case. If you are lucky enough to get someone on the phone, they can never answer any questions and always say that someone will get back to you. They never do.

I have to start all over now with a local attorney.

Persels and Associates has been a nightmare to deal with, and I have absolutely nothing to show for the fees I paid them, except for countless runarounds.

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  • Sh
      2nd of Apr, 2009
    0 Votes

    Did you go to court? Did your assigned attorney show up with you? Are you just waiting for your discharge papers? It took over 3 months for my discharge papers to show up in the mail.

  • Ma
      22nd of Apr, 2009
    0 Votes


  • Co
      22nd of Apr, 2009
    0 Votes

    I'm having problems with them too. They QUICKLY cashed my $2, 000 check and even after I sent them everything, I have yet to have anyone contact me or have a lawyer call me back. Good luck everyone with Persels. I'm hoping that they aren't as bad as it seems. I can't afford to have spent $2, 000 in vain. If I could have, I wouldn't have filed for bankruptcy!


  • So
      13th of May, 2009
    -1 Votes

    im currently with persels and im really 50/50 on this. although there are probably success stories, which are not posted online because they have no complaints, with the right amount of time, i think settlement with cc companies can be on your own.
    there are few cc companies/collection agencies that dont deal with persels, and they will send you settlement letters directly. after 6 months on this program, i realzied that i could do this on my own. so i called up one of the collection agencies, firstsource advantage, and was able to negotiate down to 25% of what i owed (75% less than my original balance). with easy payments for 12 months.
    you do NOT need a large sum of money to settle everything, which is what persels tells you.
    WHen i contacted them they said that i would need to build up my escrow account before they do anything.
    if you have the patience, and time, id suggest that you hold off on a few payments, and waitfor settlement offers. if you continually pay, they will know that you can still make payments and wont be eager to make any settlements with you.
    save money and bring your debt down faster and work directly with the collection agencies/cc companies.
    so far amex was willing to negotiate, and i am going to call chase tomorrow.

  • Pe
      4th of Jun, 2009
    +1 Votes

    My husband got into this credit management a year ago. He did research and thought Care One looked to be the best. It does have good reviews and the better business bureau gave them an A. However, as the statements began to come, I was a little uneasy. Out of the $181 they took out of his account, $76 went towards "Fee Disbursement-Legal Fee". I asked him about it, he wasn't concerned. Said they get paid first, and save up the rest until theirs enough to pay off the creditors. My husband is also under the impression that he only has to make payments for three years. Doing the math, less than $4000 is going towards his debts (which in reality are over $14000) and nearly $3000 is going towards "legal fees". This company has more than enough to start paying off his debts, but has yet to touch any of them. They also told him that if there are any disputes (which there are) he is responsible for taking care of them before Persels supposedly pays them off. Why hire these people if we're expected to do all the work ourselves anyway. With what has been given to their fees, our debts could have been settled, and no longer on his credit report. This place is nothing but a rip-off. I'm hoping we can get out now, before we lose more. Unfortunately, I have seen many complaints that once people realize and try to back out, all their money disappears (according to Persels, they finally paid something off, doubt it).

  • Rh
      18th of Jun, 2009
    +2 Votes

    Persels and associates are theives and rip off specialists.

    What i cannot understand is why people like us do not go after their law licenses.

    Some ### named kara has been lying to me for months and has done close to no work at all.

    Is there really a Jimmy Persels?

    Who is Neal Ruther?

    Who is William Grafton?

    Let's find out who these people really are and take their law licenses away!!!

  • Fo
      26th of Jun, 2009
    +1 Votes

    Margie are you my sister?Gil

  • Ma
      26th of Aug, 2009
    +1 Votes

    I actually got my money back, after contacting a lawyer on line for information on what to do. Because they lied to me about their BBB rating, and I could not find a law office where they said they were supposed to be located in that state. You should all do the same, It's called "just answer.Law" You have to tell them your problem you are having with this company, and make sure and ask alot of questions on the law for your state, they can answer up to 5 questions on the same subject. It will cost you a little money like $15.00 or lower if you are having a hard time. I have contacted this place many times to ask legal questions and they really know the law. So good luck with your problem with this Company

  • Ma
      26th of Aug, 2009
    0 Votes

    Gil I could be, I don't know my brothers from California. Are you from that state? Margie

  • Ma
      26th of Aug, 2009
    +1 Votes

    If you signed a contract, and they lied about anything, it's called "Fraud in the inducement, they are in violation of your States consumer protection laws. So it is illegal if they lied to you, to get you to get into a contract. There's other web sites for law information, also law is good...Margie T.

  • Ad
      21st of Oct, 2009
    +1 Votes

    I have been using Persel' s for about 8 months now and still nothing has been paid or settled. I even sent them an extra 1, 000.00 4 months ago to get the ball rolling. I have been calling once a week and all I get is the run around. Most of my debts are under 1, 000.00 each as the full amount owed; and still nothing has been done. I send them 96.30 a month and sure they collect the fee but no action. I also just found out one creditior is trying to sue me, so I have decided to give Persels one week to cure the litigation or I will start handleing it myself. I may never get my 1, 000.00 back after I cancel, but if I dont I plan on calling the mo attorney general, the md attorney general, BBB, a lawyer of my own, and FCC. DO NOT USE PERSELS!!!

  • At
      30th of Nov, 2009
    0 Votes

    Let me dispel some misunderstandings about Persels & Associates. PA operates out of all 50 states through field offices. So, for instance, if the main office in Michigan isn't doing what it's supposed to, that has nothing to do with the main office in Iowa who may be doing everything that they should. In addition, this may be why some people are having trouble getting answers. When you call the national HQ office, you end up getting routed to the field office for the state your case is in. So, if you're already having trouble with your field office, your complaints and concerns just end up getting sent to that same office.
    The issue I see is one of oversight. PA national HQ needs to practice stricter oversight over the individual field offices. But don't blame the entire legal staff of PA for what some members are (or aren't) doing. Most PA attorneys really are doing what they are hired to do and are genuinely trying to do their job to the best of their ability.

  • Fo
      2nd of Dec, 2009
    -1 Votes

    is this picture you Margie?My dad is Lorenzo.Gil

  • Ku
      12th of Jan, 2010
    +1 Votes

    Persels was supposed to file bankruptcy for me over a year ago and never did. I get the run around from them all the time and did for the first 3 years they were supposed to help me consolidate my debt. Luckily due to statute of limitations my creditors can no longer sue me and I ended up getting out of owing my debt. However...Persels owes me over $2000 now! I beleive all those affected need to band together and start a lawsuit against them to stop them from doing this in the future!

  • Mi
      26th of Jan, 2010
    0 Votes

    I have been with P & A for about 8 months now and they have settled roughly around 6 of my credit accounts. True, they are the smaller ones but I figure once all the smaller ones are out of the way more of my deposits can go to my bigger accounts ( and I have a few of those ). The verbal communication has been minute but I have received monthly updates on my accounts and I can't say they have not been doing the job I expected of them.

  • Sc
      30th of Jan, 2010
    0 Votes

    I've been a customer of Persels and Assoc for almost 15 mths now for credit card settlement. Of the 10 cards in dispute, they have paid off 2 at about a 30% reduction. I was informed before contracting with them exactly what their fees would be and that those fees would be taken out in monthly payments only for the first 18 mths, in addition to the escrow used for settlement. They also inform you that most of your debt would probably not be settled until after that 18 mths was up.

    It's definitely not for the faint of heart, waiting so long for your debt to be resolved, while your credit score continues to plummet. I'm not sure I would use them again. But, in their defense, I have to say that they have handled my account EXACTLY as contracted. One of my debtors sent me a notice to appear in court and Persels sent me legal documents in answer to be mailed to the court and the debtor. All I had to do was sign it and mail and never had to make a court appearance. And once you sign with Persels, your debtors must immediately stop contact with you and stop harassing you. That greatly reduced my stress and allowed me to focus on other areas of my life. I was so stressed trying to make the cc payments that I had gotten behind on my mortgage, and once turning the ccards over to Persels, have been able to get caught up with that! Remember, there is no debtor's prison, but they can take your home away!

    Also, in Persel's defense, I've always gotten through to them immediately and have never had a problem getting any questions answered from them, and found them to be very professional and courteous. I've never had problems with debt before and felt completely unequipped to deal with the creditors. I needed to turn it over to the experts, and can't say they've done anything unfair or fraudulent. They just take FOREVER to do it!

  • Ci
      1st of Mar, 2010
    0 Votes

    has any body getting their money back it Persels an Associates, they took my daughter for a ride, and I am very, very piss off about it. I need to do some thing and they do not answer my calls. I NEED SOME ANSWER, is any body there can help.
    please contact me at

  • Re
      10th of Mar, 2010
    0 Votes

    I signed up with Persels and Associates a year ago with the thought that they could help me settle my debt. I WAS WRONG!!! WHAT A JOKE!!! They ripped me off. I paid in month after month and all I ever got from them were monthly statements stating the amount I had paid. No one ever contacted me by phone. When I called them I was advised by the clerk that all contact was to go through email. I still received numerous debt collector notices. Then came a court date, which Persels and Associates DID NOT SHOW UP!! He sent a packet of information with stuff I didnt understand. DONT DO IT!!!

  • Na
      28th of Mar, 2010
    0 Votes

    i have been totally ripped off by Persels and associates. i have just stopped working with them They did pay one credit card off but once that happened others began to demand payment. My wages have been garnished and another is waiting. the judge would n ot hear my side. My life has been destroyed because of persels and careone. learn from me if you are in debt and having a tough time call the credit card companys first and stay away from programs like this. Your credit problems do not go away. when you reach the point
    of garnish you either face bankrupty or court. Let me tell you the lawyer and Judge firmly tells you Persels and Associates are not Lawyers. I repeat they are not Lawyers that are Careone acting as Lawyers

  • Hu
      13th of Apr, 2010
    0 Votes

    Let me just say, Persels and Associates took us for the run around, I WOULD NOT RECOMEND THEM TO ANYONE, i DID GET ALL MY MONEY BACK...BUT WASTED ALOT OF MY TIME. We should find out how to get them shut down, this day and age people need real help, not fake people on the phone who know NOTHING...Kara, Vicki, and who is Robert Sporney in Detroit who didnt return any calls...AND WHY IS CARE ONE CREDIT referring them to people when the rip people off!!! Glad I got all my money back!!!

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