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BBB Business Review

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BBB Accredited Business since

Heartland Financial Services, LLC

Phone: (888) 332-8066 Fax: (312) 578-9976 View Additional Phone Numbers 180 N Michigan Ave Ste 908, Chicago, IL 60601

BBB Business Reviews may not be reproduced for sales or promotional purposes.


A variety of debt solutions.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Heartland Financial Services, LLC meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Customer Complaints Summary

0 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 0

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Heartland Financial Services, LLC
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: August 25, 2004 Business started: 08/22/2002 in IL Business started locally: 08/22/2002
Type of Entity

Limited Liability Company (LLC)

Business Management
Dr. Steven Jay Blutza, President Mr. Donald Leibsker, Vice President
Contact Information
Principal: Dr. Steven Jay Blutza, President
Business Category

Financial Services Credit & Debt Counseling Financial Planning Consultants Investment Advice (NAICS: 523930)

Products & Services

Heartland Financial Services, LLC sells the following brand(s): Legal Advocates for Consumers in Debt (LACD), Legal Advocates for Seniors and People with Disabilities (LASPD), The Chicago Legal Clinic, Inc., The Law Firm of Donald M. Leibsker

Heartland Financial Services, LLC offers the following product(s): Bankruptcy, Collection-Proof, Debt Collection Defense, Debt Management Plans, Fair Debt Collection Practices Act Cases, Negotiated Payments

Method(s) of Payment
check, money order, bank debit, credit card
Refund and Exchange Policy
If we haven't done what we said we would do, we'll give a refund.
Products & Services

This company provides debt solution programs; including debt management plans, bankruptcy, judgment proof structuring for seniors and the disabled (ADMINISTERS LEGAL ADVOCATES FOR SENIORS AND PEOPLE WITH DISABILITIES), various debt settlements, student loans and IRS negotiations.


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.