Langhorne Debt Solutions - Does anybody have any info about them?

I also called Langhorne to see if they could help me. Their representative was very nice and gave me some very good advice with regards to closing my bank accounts, ensuring a "hard hold" on my closed account, and rescinding any wage assignments I may have unintentionally given to the various lenders.

The only reason I decided not to proceed with them was due to the cost. They say they will negotiate a settlement of around 30-50% of what you owe, however, if you add up the monthly payments they are asking for, it appears they are going to be receiving some pretty substantial monies for their effort.

I figure that I will just put aside X-amount of dollars each month and when I have $300 or so, I will contact one of the various lenders and see if I can work out a payment arrangement with them myself.

Best of luck to you!

DONT MAKE THIS MISTAKE,LANGHORNE IS BLACKLISTED BY MY PRE-LITIGATION COMPANY WHO HANDLES CASH NET ACCOUNTS.NEGOTIATE ON YOUR OWN AND SAVE YOUR MONEYOUR SETTLEMENTS THAT ARE OFFERED TO LANGHORNE ARE 99% OF THE PRE-JUDGEMENT BALANCE

your company CASHNET500 is illegal in all aspects.i know someone who got a settlement of 125.00 on a 350.00 loan which is what they owed.just so you know you are not on the phone.everyone can see your idiocy.

"I AGREE"

To all interested check out TOWN AND COUNTRY ACCEPTANCE CORPORATION. They are registered with the Better Business Bureau and have a B- rating. They have been in business for 27 years and are the real deal. 205-823-4930

To all interested check out TOWN AND COUNTRY ACCEPTANCE CORPORATION. They are registered with the Better Business Bureau and have a B- rating. They have been in business for 27 years and are the real deal. 205-823-4930

Stay away from Langhorne Debt Solutions, they take all your money, and if you missed one payment they will drop you and tell the PDLs companies that you are no longer their client. You should also watch for their deduction you put money in your saving and they still go into your checking.

I disagree with the posting above. Langhorne takes their payment from whatever account you ask them to. You are supposed to have a separate savings account that you are putting money in for settlements - Langhorne does not touch that. The settlements are paid directly by me not by Langhorne. I have been with them since October of 2008 and am very happy. Had 7 loans - down to 2. YEAH!

I have dealt with langhorne and just be careful with the "fees" they get you , make sure you read everything

I just finished a year with Langhorne Debt. They are a complete joke and did not fulfill anything they advertised.

They tried to tell me that a $400 debt (from an illegal payday loan company) was purchased by a collection agency for $700 and that I should pay that amount. Of course I balked. A few weeks later, they sent an email saying they had settled for $490 and that they recommended I take this great deal. They hinted they would drop me if I didn't accept.

I didn't accept and finally told them to cancel their "service." Of course, this was after they got all their money from me.

They either don't answer questions or give vague responses. They do a pretty good job of making it seem like they are professionals and on your side, but I pretty much think they are a bunch of crooks.

I'm happy to provide more details offline or here.

I bet if you asked "Langhorne Debt Solutions" to settle any accounts with "nationwide cash" they would refuse!

Nationwide Cash sent me a postcard over the holidays,and surprise!!!!,postmark was Langhorne,Pa.

im so scared i dont know what to do about my pdls from all ive read langhorne is the way to go right? to stop harassing phone calls ill get phone number changed

I was going to sign up with LDS until I found this forum and realized I could do it myself. When a representative from LDS calledme to follow up, I explained I had heard the internet PDL were illegal in Va. I had closed account, revoked ACH, etc. I explained about filing complaints with all government agencies. He acted very surprised. I cannot believe LDS would be unaware of the legal status of lenders. Why settle an account for 30 or even 50% if you can get it written off? If I can find these resources so readily, why couldn't they do it? I know its different if the pdl's are legal, but think of the settlement money clients could save if they investigated the legality first. It did not impress me as being on the ball.

Langhorne knows about the legal status of lenders. In fact, after you sign up with them you get a BS "analysis" of creditors, which outlines each creditor, whether they are legal or not, and what you can expect in terms of settlement. The problem is that Langhorne does nothing close to getting the terms they outlined in the analysis.

They just want you to feel good about their service for the 6 months when they grab most of their payment from you. After that, they are a joke.

Anyone out there listening, I use to work for a PDL company, Langhorne is a complete scam, they are actually affiliate with a PDL company so their main priority it to get the money back that you borrowed from their sister company. You make them payment and when you default just once they keep all the money you've paid them to date and they drop you as a client. They take your money and you are still left owing all the other PDL companies. Negotiate a repayment plan yourself don't deal with these people cease and desist letters don't work on first party PDL companies if they loaned you the money you cannot tell them not to contact you for repayment they are not (at least not all of them) collections agencies. Cease and desist works for 3rd party collectors not first party. If you are taking out a PDL you need the money don't waste money dealing with langhorne you will find yourself in a deeper financial whole. Any posts out here that are saying good things about langhorne i guarantee they work for them. I did collections for 2 years at a PDL company and every day we would rcv numerous faxes revocation of authority (what a joke) the same day we would receive tons of faxes saying they no longer represent an individual (that means someone has defaulted on payment) but in 2 yrs we never ever received a dime from langhorne for the hundreds of customers they claimed to have represented. yet i would speak to customers and they would say they've paid langhorne hundreds and sometimes thousands of dollars. Good luck all.

I was right down to the wire on going with them and now I am SO GLAD that I chose to do it on my own. I know I'm saving myself a bunch of money. The one thing that concerned me with Langhorne was that they were only interested in the amount of the loan and didn't care about what you've already paid on the loan....so basically I would end up paying double or triple on a loan that I probably already paid off in principal. It just didn't make sense to me.

Has anyone and I mean anyone finished the program with Langhorne? If so, were you satisfied?
I am in month 5 with them and so far, they have settled only 2 of my 7 PDLs. I don't see much progress.

It's a year-long program and the fees are front loaded. Most of the settlements come in the last half of the program when their fees go down and you start saving more money for them to offer to the lenders.

dada6868 - the guest post is right. Until you get to the months when their fee drops, there isn't much to offer in the way of settlement. I have been in the program since August and they have settled my 2nd account. I have been pleased with the service. I also agree with others that this is something one could do on their own, if they had the time/energy to invest in it. I didn't have that option with working a full-time and part-time job so I signed up with Langhorne. The amount I have to pay them in their fee was worth it to me not to worry with phone calls, etc.

ONCE YOU PAY ALL THE FEES TO LANGHORNE THEY WILL DROP YOU. THEY SETTLED ONE LOAN THE WHOLE TIME I WORKED WITH THEM.SCAM SCAM. SCAM SCAM. DO NOT TRUST THEM. THEY WORK FOR THE PAYDAY LOAN COMPANYS. SCAM SCAM.......

THEY ARE PART OF THE PAYDAY LOAN SCAM. THEY TAKE YOUR MONEY AND DO NOTHING IN RETURN. I PAID THEM HUNDREDS OF DOLLARS, ONCE THEY GOT MY LAST PAYMENT THEY DROPPED ME. ONE BIG SCAM BEWARE SCAM SCAM SCAM I KNOW FROM EXPERIENCE.. AND NONE OF THE HARASSING PHONE CALLS EVER STOPPED FROM PAY DAY LOAN COMPANYS. THE OWNER OF LANGHORNE OWNS THE MAJORITY OF THE PAYDAY LOAN COMPANYS.....

THEY ARE PART OF THE PAYDAY LOAN SCAM. THEY TAKE YOUR MONEY AND DO NOTHING IN RETURN. I PAID THEM HUNDREDS OF DOLLARS, ONCE THEY GOT MY LAST PAYMENT THEY DROPPED ME. ONE BIG SCAM BEWARE SCAM SCAM SCAM I KNOW FROM EXPERIENCE.. AND NONE OF THE HARASSING PHONE CALLS EVER STOPPED FROM PAY DAY LOAN COMPANYS. THE OWNER OF LANGHORNE OWNS THE MAJORITY OF THE PAYDAY LOAN COMPANYS.....

THEY ARE PART OF THE PAYDAY LOAN SCAM. THEY TAKE YOUR MONEY AND DO NOTHING IN RETURN. I PAID THEM HUNDREDS OF DOLLARS, ONCE THEY GOT MY LAST PAYMENT THEY DROPPED ME. ONE BIG SCAM BEWARE SCAM SCAM SCAM I KNOW FROM EXPERIENCE.. AND NONE OF THE HARASSING PHONE CALLS EVER STOPPED FROM PAY DAY LOAN COMPANYS. THE OWNER OF LANGHORNE OWNS THE MAJORITY OF THE PAYDAY LOAN COMPANYS.....

The majority of the payday loan companies, huh? 22,000 stores and 700 online lenders and he owns the majority of them? He must be richer than Bill Gates and better looking too . . .

Langhorne did not stop sonicpayday.com from garnishing my wages almost $800 3 months into their program. Langhorne blamed me and told me to hire a lawyer to get the money back from my payroll department! They collected their money for 6 months, paid off 2 loans and then dropped me. DO IT YOURSELF!!!!!!!

Sonic tried that with my job, too. My counselor at Langhorne e-mailed me a letter to print out and give to human resources at my job. It all worked out fine for me.

when you call the ipdl's to settle on your own, what do you say to them? Is it something like you can no longer afford to pay them and want to settle? do they want the money immediately? What about the places I have already paid more then I borrowed? Thanks

Just signed up with Langhorne Hoping for the best. I feel like i am drowning. All of my pay check is sucked up by loans and then i have to take out another one to have money for anything else. It is out of control. I will never do it again................unless I have to?

Please don't use Langhorne Debt Rosalind. I was just about to sign up with them and read all the horrible stuff about them. They will not stop the calls and the payday loan companies will call you and all your references. I had 10 loans about one month ago. I was paying $1200 just in fees. My debt with them was over $3000. I am now down to 5 with fees just about $350. I plan to pay one off for the next few weeks. Call the companies yourself and ask them to waive a fee or if you pay in full will they waive the fee. I said I would sign with Langhorne but never actually signed all the legal stuff but it took me over two weeks to get them to understand I wasn't going to use them. DO IT ON YOUR OWN!!!!

It is a tricky game to play when you call them. LIE if you have to. They are mean companies and they have no cares about anyone. Call them back until you get the answer you want. Tell them that you may lose your job and want them to waive the fee or if you pay it off can they waive the fee. Do whatever you can. About a month ago I was about to have a nervous breakdown because of them but now I have my life back. Do anything and say anything. Keep calling.

Run for your money. Fraudlent company. Not listed with bbb and most of their cost is for their company only

The only thing they are good at is taking your money. They say they negotiate settlements with the pdl companies but they do not. The "settlements" they negotiate are so unreasonable and the phone calls do NOT stop they only get worse. They may stop for a couple of weeks but then they get really bad. I have 6 pdl that Langhorne was supposed to be negotiating for me. After being in their program for 2 weeks the settlement that was offered was pay the entire amount within 5 days or you will get sued. I begged Langhorne to negotiate a reasonable payment plan for me but they didn't do anything. They listed the settlement offer as rejected and now the pdl company is suing me. The loan settlement offered was for $200 to be paid within 5 days, I asked Langhorne to counter with $100 within 5 days and the $100 balance in 14 days. They didn't do ANYTHING!!!! And now I am being sued for over $600. The settlement from another company was pay $325 within 5 days or they will take action against me. Do NOT use Langhorne, they are nothing but a ripoff company. I think they actually work for the payday loan companies and not us. It sounds like a good idea but there is no way you can have enough money in your "savings" account to pay the pdls based on the demands of the pdl companies. Langhorne gets their money and you are left fending for yourself. Beware, they are nothing but a scam!!!!!!

"The loan settlement offered was for $200 to be paid within 5 days, I asked Langhorne to counter with $100 within 5 days and the $100 balance in 14 days. They didn't do ANYTHING!!!! And now I am being sued for over $600."

You say Langhorne settled a $600 loan for $200 and because they couldn't get the deadline extended for you that makes them a scam? Wow . . .

uh no,the loan wasn't for 600.00.they are being sued for 600.00.probably on a 300.00 loan.sorry,but if they were legit.the settlements would be in time frame to benefit the client,not the pdl.

Hi i have a question has anyone hired Langhorn Debt Solution to help with the PDL's. Went with the program and payed Langhorn to help
But got your wages garnished? If anyone has had this happened can you please tell me. Thank you...;)

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Langhorne Debt is a legit company. They've been helping me since about the beginning of October. I had 8 loans and so far they've settled 3, all for about half of what i originally borrowed. They've been extremely helpful and you should try them if you're worried about how to get out of the trap that those PDL companies cause.

I'm just finishing up with all my payday loans. It took me almost two years but I feel they had the patience and were able to help me paying for these stupid loans at a lower cost. I would recommend them, they helped me a lot.

Did the link to the a few posts above slip past the mods . . . or did Vikas actually approve letting it on his site?

I am also using Langhorne. I have settled four of my lenders and now have three left with Langhorne. I think someone here said it best when they said "if you have nerves of steel than you can possibly work out the debts yourself." For me?? I just didnt have the TIME. I am taking good notes and keeping track of the calls - BUT, I work during the day and just dont have the time to devote to answering the phone or writing and faxing letters. I have done some of this, but I found Langhorne to be a good solution for me. I understand it isnt for everyone, and some folks would rather work the details out on their own. I appreciate this website though, I check in here daily.

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What is a C&D template letter and where can I get it. How do I find out if they are licensed to do business in my state.

A C& D template letter is a Cease and Desist template, which you can find on this site. A template is a framework for you to use in your letter. Basically, use this template, which spells out how you are to work with these companies to resolve your situation.

who is T&C i also need to consolidate my other loans not just the PDLS

I have had to use them , they are wonderful, definitely worth the fees charged. Took all the pressure off me and led me everystep of the way. Saved me $1000's. And they are very quick to respond to questions . :)