Just got a call from Lanak & Hanna PC. Now I'm spiraling a bit.
Quote from fajikiw on June 3, 2026, 3:45 pmI just got off the phone with Lanak & Hanna PC about an old debt I couldn't pay back during a rough patch. The person I spoke with mentioned "debt settlement strategies and credit repair" almost like a sales pitch. But everything I'm finding online says settling will trash my credit score even more.
I came across this article that explains the difference between settlement and a debt management plan: https://consumerlawfirmcenter.com/calls-from-lanak-hanna-pc/
According to that, if I settle, the forgiven debt might be taxable and the account will show as "paid for less than owed." That sounds awful. But a debt management plan takes years. I don't know which is worse for someone like me who is trying to rebuild.
Has anyone here actually worked with Lanak & Hanna PC on a settlement? Were they fair? And did you ever get the negative mark removed after paying? I could really use some honest stories right now. Thanks for reading.
I just got off the phone with Lanak & Hanna PC about an old debt I couldn't pay back during a rough patch. The person I spoke with mentioned "debt settlement strategies and credit repair" almost like a sales pitch. But everything I'm finding online says settling will trash my credit score even more.
I came across this article that explains the difference between settlement and a debt management plan: https://consumerlawfirmcenter.com/calls-from-lanak-hanna-pc/
According to that, if I settle, the forgiven debt might be taxable and the account will show as "paid for less than owed." That sounds awful. But a debt management plan takes years. I don't know which is worse for someone like me who is trying to rebuild.
Has anyone here actually worked with Lanak & Hanna PC on a settlement? Were they fair? And did you ever get the negative mark removed after paying? I could really use some honest stories right now. Thanks for reading.