Debt Settlement Companies Posing as Attorneys Can Cost You Your Case

Companies such as Turnbull Law Group, Cordoba Legal Group, and Guardian Litigation Group are frequently cited as examples of this dangerous business model—where marketing suggests legal defense, but real courtroom advocacy is absent.

Consumers overwhelmed by credit card debt and collection calls are often targeted by debt settlement companies that present themselves as law firms. These companies use legal-sounding names, attorney imagery, and promises of protection to lure consumers into believing they are hiring a lawyer. In reality, many of these operations provide little to no actual legal representation, leaving clients exposed to lawsuits, default judgments, and financial disaster.

If you are being sued by a creditor, debt settlement is not legal defense. Only a licensed debt defense attorney can protect your rights. That is where Diwan Law, LLC stands apart.

The Dangerous Illusion of Legal Representation

Debt settlement companies often include “Law Group” or “Litigation” in their names to imply attorney involvement. Sales representatives may claim that lawyers will “handle” creditor lawsuits or “take care of court issues.”

But in many cases:

• No attorney ever enters an appearance
• No Answer is filed in court
• No hearings are attended
• The consumer never speaks with a lawyer handling their case

Negotiating with creditors does not stop a lawsuit. Courts do not pause deadlines because a settlement company is involved. When consumers rely on these false assurances, they lose critical legal protections.

Failing to Answer Lawsuits Leads to Default Judgments

One of the most common and devastating outcomes of hiring a debt settlement company posing as a law firm is the failure to answer a debt collection lawsuit.

When companies like Turnbull Law Group, Cordoba Legal Group, or Guardian Litigation Group fail to act:

• The court assumes the debt is valid
• The consumer forfeits all defenses
• A default judgment is entered automatically

A default judgment allows creditors to pursue:

• Wage garnishment
• Bank account levies
• Property liens
• Additional court costs and interest

At Diwan Law, LLC, lawsuits are answered on time and strategically, preserving defenses and forcing creditors to prove their claims.

Failing to Appear in Court Leaves Consumers Unprotected

Many consumers are shocked to learn—too late—that their “law group” never intended to appear in court.

Debt settlement companies cannot appear on your behalf unless they are properly retained attorneys licensed in your jurisdiction. When no one shows up:

• Hearings proceed without you
• Motions go uncontested
• Creditors win by default

Diwan Law, LLC aggressively appears in court to defend clients, challenge improper evidence, and hold debt buyers accountable under state and federal law.

Not Acting in the Client’s Best Interest

Licensed attorneys are bound by ethical duties to act in their client’s best interest. Debt settlement companies are not.

As a result, consumers are often:

• Pressured into settlements they cannot afford
• Charged high fees regardless of outcome
• Encouraged to default without understanding legal consequences
• Given incomplete or misleading legal information

At Diwan Law, LLC, every case begins with a legal analysis—not a sales pitch. If settlement makes sense, it is pursued strategically. If defense is stronger, the case is litigated aggressively.

Withdrawing From Cases When Clients Refuse Settlement

Another red flag is case abandonment.

Many debt settlement companies withdraw support or stop communicating if a client refuses a proposed settlement. This leaves consumers defenseless, often in the middle of active litigation.

Diwan Law, LLC does not abandon clients. Period.

A real debt defense attorney:

• Advises—not pressures
• Respects client decisions
• Continues representation even when settlement is declined

Why Diwan Law, LLC Is Different

Diwan Law, LLC is a real debt defense law firm—not a settlement mill.

Clients receive:

• Direct representation by a licensed attorney
• Timely Answers to lawsuits
• Court appearances and aggressive litigation
• Strategic settlement negotiations when appropriate
• Ethical advocacy focused on the client’s best interest

Whether the goal is dismissal, leverage for settlement, or full litigation, Diwan Law fights—not settle blindly.

Don’t Trust a Name. Trust a Lawyer.

If you are being sued for debt, your financial future depends on real legal defense. Debt settlement companies posing as attorneys can cost you your case, your wages, and your peace of mind.

Before hiring any company:

• Ask if an attorney will personally represent you
• Confirm who will file court documents and appear in court
• Avoid companies that promise results without legal defense

For aggressive, ethical, and effective debt defense, hire Diwan Law, LLC.

Debt defense is not a sales product. It’s a legal fight. Choose a lawyer who actually shows up.