Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/31/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Debt ********************* called me. Started with > Better Debt Solutions (these people contacted me 3/2/24)************************* - senior debt advisor ************************************************** ************ ************ www.betterdebtsolutions.com ****************************** Better Debt Solutions put me in touch with Guardian Litigation Group Guardian Litigation Group - sounds legit - and I was struggling so I tried them. I agreed to have 3 or my 4 debts consolidated with them. Payments began right away. After the 3rd or 4th payment I discovered after speaking to my creditors they were not contacted by any debt consolidation company on my behalf. Apparently they were waiting for my accounts to go into serious default before doing anything. They took my payments and did NOTHING for them. I renegotiated with my creditors and now I am also out the payments that were auto-deducted from my bank account to a company called Fourth (which I would like to recoup). I believe this to be a sophisticated scam group under the guise of attorneys working to help people. My Login info:User ************** 3/2/** enrolled through Better Debt Solutions 3/27/24 1st pmt $395.65 4/26/24 2nd pmt $395.65 5/28/24 3rd pmt $395.65 Total pmts $ *******

  

  Business Response

  Date: 08/01/2024

  Dear BBB:
  
  Thank you for the opportunity to respond to ************************.  She retained our firm to negotiate and settle her debts for less than the balance owed. We do not engage in debt consolidation or the provision of loans or credit repair.  The agreement ************************ executed, her welcome documents, and the recorded phone calls she has had with our staff clarify this.  For the last 2 months, ************************ has ceased making deposits to her set aside savings account and has not responded to our communications.  We will be making a additional attempts to reach her to discuss settlement negotiations.  To date, our firm has not charged ************************ anything; the sum of her monthly deposits is available to her in her set aside savings account.  Thank you,
  
  Guardian Litigation Group

• Initial Complaint

  Date:06/06/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Oh my where to start. This company is not very truthful. I have made 10 payments to them on one account they have resolved. I just got served papers two weeks ago to appear in court over a Discover bill they did not contact until the papers were filed, even though they were aware in February 2024 that my account had been placed with a law firm. Now they want me to pay their court appearance fee of $ ****** to appear on my behalf. They also told me that I could apply for a loan not with them but a company they work with after 6 qualifying payments. Then when I ask about the loan they told me that the company would contact me. So at the 9th month **** I asked about it again and they said that they had to stop doing those loans for a couple of months back but they were getting them started again, so I waited a week or so, when I questioned it again I was told that I had to have under ****** worth of debt to be considered and I was at ******. Then they I was told that they can settle my Discover debt but I needed to pay more because the ****** payment I have been paying apparently did not have their fee calculated in, now after I pay the large amount off, I still owe them a littler under *****!!!! It's now been 2 days and I still have not heard about if my offer to Discover has been accepted and the legal department (they are so rude) wants their attorney fee paid by 06/13/2024 or I won't have legal representation at the court date and the court can have a default judgment against me, because Guardian failed to do their job!!!!!

  

  Business Response

  Date: 06/07/2024

  Dear BBB:
  
  We appreciate the opportunity to respond to ********************** complaint.  ******************** has already been contacted about an acceleration loan option through one of our lending partners.  We are not able to provide details on loans or the approval process because we do not provide the acceleration loans.  ******************** has a significant amount of debt.  As such, the first settlement we negotiated for her was her single largest debt. This was part of our strategy to effectuate the most impact on reducing the total debt she owes as quickly as possible. 
  
  Regarding the Discover account she mentions in her complaint, we negotiated 2 viable settlement options for this debt prior to any court appearance.  ******************** declined both. We have made counter offers that work better within her budget and are awaiting the creditors response.  We will relay their response to her as soon as we have it.  Any increase in her monthly deposit will be applied directly to settlement payments.
  
  Her attorney is ready to appear in court on her behalf so that she has more time to think about her options and build funds for settlement.  As she stated in her complaint, she does not want to pay the courts filing fees.  Our firm cannot control the courts filing fee costs.  However, in ********************** case we have already deferred collection of our earned fees to increase her chances of entering settlement arrangements.  Her monthly deposits are currently being applied solely to her creditor settlement payments, while our firms earned fees are being held in abeyance.  We would encourage her to contact us with any questions.  Thank you for your attention.
  
  Sincerely,
  Guardian Litigation Group

  Customer Answer

  Date: 06/08/2024

  I have not been contacted about a loan as they state. They contacted Discover only after I was served papers. They received a email from me back in February I believe forn this law firm and no one contacted me, I contacted them. I could of made more of a payment to get this settled but that was not an option from them. I have talked to so many people there, and it would not be worth their time to listen to the recordings of these conversations. **** who knows if some of these people are working there anymore, probably got let go for lying to the clients! Other companies do not make the client pay for attorney fees. I have called around. When the lady called me today she just read probably whatever they have scripted for them to say. Nothing that she said was pertaining to my case. I have to admit it was a heated conversation but she kept on talking about other clients and told me that this was always a possibility.  I understand that, I understood the risk but not being ask if I could pay more back in February to my debt to Discover was completely their fault abd they are just using excuses after excuses!

  

  Business Response

  Date: 06/10/2024

  Dear ********,
  
  On June 7th, 2024, at 12:24 PM, our finance department representative reached out to you regarding the loan option. He left a voice message and sent a text message. Concerning Discover, the settlement options remain the same as they were previously.  You declined to add funds most recently today and we are awaiting the creditor's decision on a counteroffer.
  
  To clarify, you are not responsible for paying any attorneys fees for court appearances on your behalf; the amount you referred to covers the court's filing fees, which vary by jurisdiction and are beyond our control.  During our call today, we aimed to thoroughly explain the settlement offer related to your case. Unfortunately, the call was disconnected before we could complete the explanation. We will make another attempt to reach you within the next 1-2 business days.

• Initial Complaint

  Date:05/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I begin the settlement with them about June 2023 and I made a monthly payment of $850.They committed to settle my accounts for less than the total amount I owe each. And offer me to make a monthly payment for a specific amount of time. That after making a few payments. It turns out the time is only an estimate, and they wouldnt commit to providing me in writing the total amount or time it will take for them to settle. That both are just and estimate.There are so many complaints about this company and after reading other complaints, this company shouldnt be allowed to do business.Just like other users here. I was also told to stop making payments on my cards and as everyone else my credit score went dramatically down an after dealing with the scammers my score will stay down for while unfortunately. Which it takes me to the second complaint and that is while they said that on the contract, they mention their 27% fee for each total amount settled of each account on top other miscellaneous fee which are abundant and each month. They fail to tell you this very important part verbally to their convenience and you only come to find out the huge amounts of fees in the thousands after you see your statements.When they settled my first account, they told me that the creditor agrees to a settlement that will be paid in 4 years. Now it all makes sense. They will be socking the blood out of me with all those huge monthly fees and settlement fees.After I figured out their scam, I came to realize that I could have settled each individual creditor, keep my good credit score and pay less if I had done it myself. Stay away from this company. ********

  

  Business Response

  Date: 05/28/2024

  Hi ******, thanks for your post. Upon review, we were able to see that our firm successfully settled over 40% of the debt you had retained us to settle within just a few months. Those settlements, including our earned contingency fee, were explained to you prior to engaging our firm verbally and in writing. During our recorded calls, we reiterated that our program was for consumers in financial hardship who are unable to pay their creditors and that there would be a negative impact on your credit.
  
  Could you settle your debts yourself? Yes. If you successfully negotiate a debt it may cost you less in the long run to use this approach than to use our service. However, this task is time consuming, stressful, and complex for most people. Why spend all your time and effort trying to negotiate on your own when you can rely on our experience to get the best settlements possible? Having an attorney to assist you throughout this process is an extremely valuable tool since many collection companies will act unscrupulously to collect from you. Additionally, since our firm settles accounts in bulk, we are oftentimes able to obtain excellent settlement results for our clients. We can't guarantee that our settlements would be better than yours, but we can say that we have data about your creditors that you don't have, and we can attempt to settle multiple client accounts all at once with a single collector which is leverage in the process that you also don't have. We are confident that, had you remained enrolled, we would have settled your remaining debts in accordance with our original estimates. Whatever you decide to do, we wish you the best of luck in getting debt free.

• Initial Complaint

  Date:05/20/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I began working with this company after applying for a debt consolidation loan and getting denied. I was contacted by the as an alternative. The first year was fine. Aside from I didnt realize until just recently what their fees were. They never discussed that over the phone. Only put it in their super long contract you were encouraged to sign quickly to get things started. They were making settlements no issue, a little slow in my opinion, but thats neither here nor there now. I have one specific creditor, **************** that they have told me from the very beginning they were attempting to settle. I even sent them 2 emails I had received from credit one showing settlement offers they were personally making towards me with an assurance they would try to get it settled. About a month and a half ago I called guardian to let them know I was prepared to send them an extra $2000 to help settle more accounts. I agreed with the person I talked to that we would use the extra money to settle the Credit One account and one other one. On my monthly phone call later I asked them where that was at and they said they described something to me about what the funds were being used for. I expressed I didnt understand what he was talking about but he just blew me off. Well the next month I receive my statement for my account and see that I only had less than $100 in the account and no more settlements were made. I called them and after getting the run around was told that they used the whole $2000 to pay their fees. I have expressed multiple times that I did not authorize this to happen. They dont care and have told me itll just help get settlements paid in the future. Fast forward to last week and now I get a summons in the mail for Credit One for my debt. Now I need to pay an extra $200 for the state filing fee for guardian to represent me and the creditor wont talk to me.

  

  Business Response

  Date: 05/21/2024

  Dear BBB:
  
  We appreciate the avenue to respond to Ms. *********** concerns.  When our firm was retained, we explained our earned performance fee to her in detail.  It is further visible to her when she accesses her set aside savings account portal online.  She agreed to payment of our firms earned performance fee when our firm was engaged. The majority of Ms. *********** debts are already under settlement.  Unfortunately, regarding the account that she mentions is now in litigation, no settlement agreement could have been obtained prior to the lawsuit because Ms. *********** deposits are being fully utilized to pay for existing settlement obligations. 
  
  Regardless, we are confident that we will negotiate an agreeable resolution for the debt that she has been sued on.  These lawsuits are not new to us, and our firm has successfully settled thousands of similar cases.  We ask that ************************ contact our office with any questions and look forward to getting her remaining debts settled.  Our commitment to getting her out of debt has not changed.  Thank you for your attention.
  
  Guardian Litigation Group

• Initial Complaint

  Date:05/10/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up to this company in August 2023, 1st payment on 9/14/2023 to consolidate debt on 4 credit cards i was making the minimum payments on, in hopes of getting the advice and assistance to pay this debt down faster. At the time i signed up, i had an excellent payment history on these 4 CC accounts. I was advised by the representative at the time that " i would need to stop making my payment, so that the creditors would be willing to negotiate y debt". his literal words. I expressed that that would be hard because i was proud of my payment history. However, trusting the "professionals", i stopped making the payments. The company was great in making the monthly contact and updating me about the process. The problem occurred when i learned that they should not have advised me to stop making my payments. After reviewing my Credit report and seeing that my score had drop nearly 300 points since October 2023. I started talking to other debt consolidation groups and was informed that not only was this bad advice, it was ILLEGAL advice. I contacted Guardian Litigation Group to address the matter and was made to feel like I was lying and chose to stop making payments. the representative then told me that "it was optional to stop making payment, but the creditors are more willing to negotiate if my accounts were delinquent". i explained that the representative who did my intake literally insisted i stop making payments and never "suggested" I stop. At this time I explained that i was disappointed in the way they handled my intake and that I had a perfect payment history until i was told to stop making my payment for a better chance at getting the Creditors to settle. The representative then brought up an old account from over 7 yrs ago that I had paid off, in full, and then closed that account. This account is not one of the accounts they are attempting to consolidate because IT WAS PAID OFF OVER 7YRS AGO. Doing business with them has destroyed my credit further.

  

  Business Response

  Date: 05/13/2024

  Dear BBB,
  
  Thank you for the venue to respond to ********************. As of the date of this correspondence, our firms supervisory personnel have attempted to contact ******************** on no less than 2 occasions over the previous 3 days.  To clarify, our firm was not retained by her to consolidate debt.  We do not provide loans.  The scope of our services was made abundantly clear during our initial recorded calls with ********************. 
  
  It was further reiterated to her during the execution of our agreement, which details that fact that we were engaged to negotiate and settle certain unsecured debts for ********************.  She also expressed understanding about the additional disclosures we provided regarding debt settlement, including, but not limited to, the negative impact on credit.  She was never informed to stop paying her creditors.  ******************** was informed that debt settlement is for those who are in financial hardship who are unable to pay their creditors.
  
  To date, our firm has already negotiated well over 1/3 of ******************** debts.  We would welcome the opportunity to speak with her and address her concerns.  Our supervisory personnel will continue to reach out to her to finalize a resolution.  Thank you for your attention.
  
  Guardian Litigation Group

• Initial Complaint

  Date:05/09/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was told they would help settle my debts. I should stop paying my accounts. They would put the money I'm paying in an account where I would then pay the settlement amounts. I have heard of one settlement, but there has been no money placed in this account to make the payment. It is coming up on my third scheduled payment to them and now I cannot access the web site to schedule payment.

  

  Business Response

  Date: 05/09/2024

  Dear BBB:
  
  We appreciate the opportunity to reply to **************.  As stated correctly by her, our firm was very recently retained to negotiate and settle certain unsecured debts.  We do not ever instruct clients to stop payments to their creditors; debt settlement is an aggressive form of debt relief that is for clients who are in hardship and unable to pay their creditors.
  
  ************** is correct in that we have already placed one of her debts under settlement. However, she does not need to access a website to set up the settlement payments.  She has already authorized the settlement payments to be made from her set aside savings account, the first installment of which has already been paid. 
  
  In fact, her next settlement is already in process and we anticipate calling her to authorize it in the next 5-7 business days.  Our firm will be reaching out to ************** to ensure she understands this part of the debt settlement process and is able to fully utilize the web portal which displays her settlement payments. We would urge her to contact us in the meantime with any questions. Thank you.  

  Customer Answer

  Date: 05/09/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *************************
  
   
  

• Initial Complaint

  Date:04/28/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They told me that they would contact all my credit card companies and all 5 were in there programIt seems this is false.. They said they would contact me every month but they haventThey said after a while I get a loan to pay off the rest of the debt..This has not happened yetThey want more money to settle the debt so whats the point in doing there program.. I was lied too and they destroyed my credit.

  

  Business Response

  Date: 04/29/2024

  Dear BBB:
  
  We appreciate the venue provided to us to respond to ******************************.  On 9/13/23 he retained our firm to negotiate and settle 5 debts.  Our firm settled one of his debts on 11/30/23 and we are currently working on the settlement of his second enrolled creditor account.  He has not been asked to add any additional funds, and if he would like to apply for a debt settlement acceleration loan to speed up his program, he can absolutely do so.  We spoke with ****************************** on March 18, 2024 and reviewed his program.  We will also be reaching out to him today to ensure the information above was clearly relayed and that he has no other concerns.  Should he have any questions in the meantime, we ask that he contact us and ask to speak with a Team Lead. Thank you for your attention.
  
  Guardian Litigation Group

• Initial Complaint

  Date:04/27/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Called talked to someone and then called back and requested a cancellation of services immediately. They told me they made a note and hung up on me. Cant get a hold of anyone and their account representatives hang up. I need immediate cancellation

  

  Business Response

  Date: 04/29/2024

  Thank you for the opportunity to respond to **************************. By way of background, our firm was retained by him on 4/27/24 to negotiate and settle certain unsecured debts.  We believe he may have called the wrong number prior to calling us.  On 4/29/24 he called and spoke to one of our representatives.  His call was answered immediately.
  
  During our call with him, ************************** informed us that he no longer required our services.  We have already confirmed cancelation of his agreement, verbally and in writing.  Thank you for your attention.
  
  Guardian Litigation Group

  Customer Answer

  Date: 04/29/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *******************************
  
   
  

• Initial Complaint

  Date:04/12/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company say they consolidate debt but have not done anything for 7 months. I was told to stop paying the loans involved and due to this my bank account was locked until I made a payment to a loan causing me to be able to pay other bills. When I check the status it shows nothing has been done. When I call it goes no where. Now my credit has dropped dramatically

  

  Business Response

  Date: 04/15/2024

  Dear BBB:
  
  We appreciate the opportunity to respond to ****************.  To clarify, our firm was retained to negotiate and settle debts by ****************.  We do not perform debt consolidation services or make loans to consumers.  We informed **************** verbally and in writing, prior to and upon his engagement of our firm, that debt settlement would have a negative impact on his credit.  He expressed understanding and acknowledgement during our recorded calls and through execution of our agreement.  Our firm has not charged **************** anything, and we are in communication with his creditors.  The amount he has stated as "in dispute" are funds in his set aside savings account, which he can withdraw at any time, without penalty.  In the meantime, we have let **************** know that we are aggressively working with his creditors to reach a settlement. Should he have any questions, we ask that he contact us and request to speak with a Team Lead.  Thank you for your attention.
  
  Guardian Litigation Group

  Customer Answer

  Date: 04/15/2024

  ********

  

  Business Response

  Date: 04/16/2024

  We appreciate the opportunity to respond to ****************. To clarify, our firm was retained to negotiate and settle debts by ****************. We do not perform debt consolidation services or make loans to consumers. We informed **************** verbally and in writing, prior to and upon his engagement of our firm, that debt settlement would have a negative impact on his credit. He expressed understanding and acknowledgement during our recorded calls and through execution of our agreement. Our firm has not charged **************** anything, and we are in communication with his creditors. The amount he has stated as "in dispute" are funds in his set aside savings account, which he can withdraw at any time, without penalty. In the meantime, we have let **************** know that we are aggressively working with his creditors to reach a settlement. Should he have any questions, we ask that he contact us and request to speak with a Team Lead. Thank you for your attention.
  
  Guardian Litigation Group

  Customer Answer

  Date: 04/18/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *************************
  
   
  

• Initial Complaint

  Date:04/03/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In November 2023 I was contacted by Guardian to resolve my credit card debt and have been paying guardian litigation to resolve my debt and turned over numerous credit accounts with only one resolved.. I am now receiving letters from my debtors saying to pay them. only one account has been settled (charged over $600 to settle one acount) and it has been longer than six months, nothing is being done and I am paying guardian litigations and creditors are trying to resolve accounts with me through emails and was told to forward Guardian those letters and such. My credit is getting worse and nothing being done. I have emailed them and havent gotten any response or any kind of notices of settlements. I may have to now seek legal counseling and pay them.

  

  Business Response

  Date: 04/04/2024

  Dear BBB:
  
  Thank you for the opportunity to respond.  ************** first settlement took place within the average time frame for first settlement that we expected and his debt resolution program is moving forward in accordance with our initial estimates.  We have remained in consistent contact with him and have communicated responses to all his inquiries. 
  
  At the time of this writing, our firm is actively working on a second settlement for **************.  We are confident he will be pleased with the results.  The amount he described as in dispute is the balance of deposits to his savings account, which will be applied to the next negotiated settlement.  We do anticipate completion of his next settlement within the next 5-10 business days.  We ask that ************** watch out for a call from our staff to authorize that settlement and reach out to us in the meantime with any questions.  We are also going to ask that a supervisor reach out to ************** immediately.  Thank you.
  
  Guardian Litigation Group