Worst Company to work with! period.
I have been enrolled into the so called debt consolidation program in early 2019, The rep sold me the ocean but delivered a bottle of water! if that makes sense! what happened, or how this program actually work! 1. I didn't have any default on any of my cards, I just felt one payment to pay them all would make sense, but in reality what they do is ask you to sop paying and let your Credit cards or whatever debt you enrolled in go into default, this could take 6 to 7 months before the creditors start calling you! and then another 3 months or so for the debt to be assigned to another credit collectors! in the meantime your credit score will plunge into the floor! 2. Canyon Legal will ask you to start making payment into the program to start accumulating money into your escrow account! they start paying themselves their fees upfront! so you are actually paying them for at least 6-9 months before they start the negotiation with the creditors! 3. You will get letters in the mail from all your creditors, Canyon will ask you to upload them into the portal! the portal is literally broken, after the upload is complete, it says done, but it never gets actually uploaded, how do I know? because I call Canyon the following day to confirm the receipt of the document but I get the usual answer, we didn't get it!!! I end up asking for the rep email to send him/her the documents then they will be able to upload it! 4. What happened to the documents that have been received by the rep? it gets uploaded, 100% no one looks at it! how do I know? I have been sued twice by the credit cards creditors, but before they sued me they have notified me in the mail, it is the same document I have uploaded and no one looked at from Canyon legal group, it is funny that 90% they never call you to discuss your options or try to tell you what or could happen, they just let it play it course! they are very bad at keeping customer on the alert and have 0% caring about you! the only time I get calls is when they ask for reviews! 5. They say we assigned lawyer to your case! ok sounds great! the laywer will call you for 30 minutes to tell you stop making payments and what to do if the creditors call you and that's all! reality check! the lawyer does nothing! if there is an issue requires a lawyer they send your case to the lawyers network to see if any lawyer willing to take your case, if you have been sued! guess what they give him 7 days to resolve it, if no agreement reached they send it back to the inhouse negotiators "useless"! pretty twisted process! and if you don't call Canyon and stay on top of your case! trust me you will lose the case against you to the creditor in the court! 6. It is very important to keep the customer up to date, specially with these kind of issues, the portal and communication is very very critical to keep you posed! Canyon Legal Group are very bad at those two, the portal doesn't have the proper communication methods, nor have the negotiators current status of where they at, no trails or logs! 7. The negotiators: oh man don't get me started! i have asked the Rep many times to keep notes for the negotiators in the log every time I call, guess what! those notes never reaches the negotiators! they also don't negotiate in your best interest! they look at your escrow account! and that's all! I have literally told the rep from the start of the program leave this note in my account "if any credit collector willing to do lump sum then let the negotiators reach out to me and I will work with them to make the lumpsum available". no one from the negotiators have ever reached out to me nor send me an email to ask me if I have option for closing a debt with lumpsum and if I have the money to do it! after all, every month you are in the program you are paying monthly service fees! so in their interest to keep you as long as they can or as they told you how many years the program will run! don't keep your hopes up that the negotiators will work for your best interest! 8. I have zero start rating for Canyon Legal Group, because this is not a program I suggest to anyone, you are better do it yourself! call the credit card companies and work with them a deal! they have way better options when you reach out to them directly! 9. I would never ever in my life would try to use a debt consolidator ever, specially Canyon Legal Group! it is not a scam! it is legit but the process is twisted and doesn't really help you! 10. I am trying to fix my credit score as result of the program! Canyon failed to work with my during the negotiations with the creditors, they failed to keep me informed! they failed to set debt priority! they failed in all aspects of making customer priority! The above review is based on my personal experience with Canyon Legal Group, this is my 3rd and last year to finish the program, not because they did their job, no, it is because I stayed on top of it!