Is Second Chance Advocate a Scam?

Question:

Dear Steve,

Payday loan relief Secondchanceadvocate.com.

They can erase my illegal loans, is what they told me. I have to pay $250 a month to them since I live in Texas, and I have a lot of loans that they told me are illegal.

Is this place a scam? Should I pay them?

Are they real?

Thank you, Steve.

Mary

Answer:

Dear Mary,

I went to the Second Chance Advocate website and took a look around.

The message they give on their website is confusing. At face value, they appear to be just another document preparation company. They say, “The services we provide are restricted by various state laws. We do not practice law nor do we give legal advice. We simply provide forms to accomplish tasks legally permitted based on individual state laws.”

The company website claims its mission is “Dedicated to improving the lives of people through support, compassion, and education.”

But then they say, “Second Chance Advocates offer a wide range of documents along with many different payment plans and options.”

They also say, “We are not lawyers, we are a group with network of attorneys that specialize in the laws and regulations and offer a wide range of documents along with many different payment plans and options.”

Something does not add up here. Why would they say they accept payments if they are a document preparation company?

Getting a document and filling it in is not expensive. Sites like RocketLawyer.com sell legal documents at $39.99 for non-members or free for members that pay some sort of membership fee. They also offer attorney consultations and other similar services.

So what exactly is Second Chance Advocate selling you. For $250/month, it sounds more like a debt relief or settlement service. It clearly does not sound like a document preparation service.

Are They a Scam?

I’m not a fan of the word scam since it can mean many different things to different people. Instead, I provide the free guides below to help people research a company and come to their own conclusion.

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. 10 Must Do Steps to Find the Best Counseling or Settlement Company for You
  3. How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off

You said you live in Texas, so I went to see if Second Chance Advocate is registered to do business in Texas.

It does not appear any company named Second Chance Advocate is registered in Texas.

Is Second Chance Advocate a Scam?

The company says they are located at 102 NE 2nd Street, Suite #237, Boca Raton, FL 33432.

There is a chance that the address is actually a virtual mailbox or maildrop.

Is Second Chance Advocate a Scam?

Now, this is very strange. The company says they are located in Florida, so I wanted to check to see if they are registered to do business there. It’s where they say they are located.

It looks like the company tried to register to do business in Florida a week ago, but their filing was rejected. I have never seen that before.

Is Second Chance Advocate a Scam?

It does not appear they are even registered to do business in Florida.

How well will they fill out your form if they can’t even get themselves registered to do business in Florida and Texas?

After looking at the results of my research above, what conclusion do you come to?

Sincerely,

You are not alone. I’m here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don’t give up.

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Damon Day - Pro Debt Coach