By Tort Law Team 
If you are struggling with mounting credit card debt, harassing creditor calls, or the stress of financial hardship, you are not alone. Many Americans face overwhelming unsecured debt and look for ways to regain control without filing bankruptcy. Gitmeid Law (Law Offices of Robert S. Gitmeid & Associates) positions itself as an attorney-backed option for debt settlement legal counsel and debt negotiation.
This guide offers a practical, balanced look at their services, the debt negotiation process, real client experiences, costs, and how they compare to other debt relief services. Whether you are exploring debt consolidation options, financial hardship relief, or simply want to know if the firm is legitimate, this review helps you decide your next steps toward stability.
Who Is Gitmeid Law?
The Law Offices of Robert S. Gitmeid & Associates, PLLC is a New York City-based consumer advocacy law firm. Founded by Robert S. Gitmeid, the firm focuses on helping individuals facing creditor challenges through debt settlement, negotiation, fair debt collection defense, and related services.
They operate primarily from offices in Manhattan and partner with programs like National Debt Relief for certain debt resolution pathways. The firm emphasizes legal representation to stop aggressive collections and negotiate reduced payoffs.
Robert S. Gitmeid is licensed in New York, New Jersey, Florida, and relevant federal courts. The firm highlights creative consumer law strategies to give clients leverage against large creditors.
Key practice areas include:
- Debt negotiation and settlement
- Defense against debt collection lawsuits
- Bankruptcy consultation
- Fair Debt Collection Practices Act (FDCPA) violations
This attorney-backed approach distinguishes them from non-legal debt settlement companies, as they can provide legal counsel if creditors pursue litigation.
Understanding Debt Settlement With Attorney Backing
Debt settlement involves negotiating with creditors to accept less than the full amount owed, often 40-60% of the balance, in exchange for a lump-sum or structured payment.
Gitmeid Law frames this as attorney backed debt resolution. Clients typically stop direct payments to creditors and instead deposit funds into a dedicated account. The firm then uses accumulated funds to negotiate settlements.
This process can lead to significant savings but involves trade-offs, such as temporary damage to your credit score from missed payments and potential tax implications on forgiven debt.
The firm provides creditor negotiation strategies and handles communications, which can reduce stress for clients in financial distress.
The Typical Debt Negotiation Process
- Free Consultation: Discuss your debts, income, and goals. The team reviews your situation and outlines potential options.
- Enrollment: If suitable, sign a service agreement. You begin monthly deposits into a special-purpose account.
- Negotiation Phase: The firm contacts creditors to negotiate reduced payoffs. This can take months or years depending on the number of accounts and creditor responses.
- Settlement and Payment: When a deal is reached, funds from your account pay the agreed amount. The creditor reports the account as settled.
- Ongoing Support: Legal representation is available if lawsuits arise (often for an additional monthly fee).
Many clients appreciate having attorneys involved, especially when facing collection lawsuits or FDCPA issues.
Gitmeid Law Debt Relief Services: What They Offer
Gitmeid Law debt settlement services target unsecured debts like credit cards, personal loans, and medical bills. They do not typically handle secured debts (mortgages, auto loans) or student loans in the same way.
Clients often enroll debts totaling tens of thousands of dollars. The firm claims to pursue meaningful reductions while providing legal protection.
Debt consolidation options may be discussed, but the primary model is settlement rather than traditional consolidation loans. For those in severe hardship, they can advise on bankruptcy as an alternative.
The consumer law firm reviews of their approach often note the value of having licensed attorneys negotiating on your behalf, which can carry more weight with creditors.
Costs and Fees: What to Expect
Gitmeid Law debt relief cost typically includes a percentage of the enrolled debt or the amount saved, often in the 15-25% range. There may also be monthly maintenance fees and a separate legal representation fee (around $18/month in some partnered programs).
Fees are usually taken from the dedicated account as settlements occur. This structure aligns incentives but requires clear understanding upfront.
Always ask for a full breakdown during the consultation. Compare total projected costs against potential savings. Some clients report the fees make the net benefit worthwhile, while others feel the overall outlay was higher than expected.
Important note: Debt settlement is not free, and results are not guaranteed. You remain responsible for any unpaid balances if negotiations fail.
Is Gitmeid Law Legitimate?
Yes, Gitmeid Law is a legitimate, licensed law firm with an established presence in New York. It is BBB-accredited with generally positive overall ratings (around 4.75/5 on BBB from hundreds of reviews). Google reviews hover around 4.4/5, and Trustpilot shows strong scores from many users.
However, like most debt relief providers, experiences vary. Some clients praise the firm for delivering real savings and responsive support. Others report delays, communication issues, or dissatisfaction with final outcomes.
There are complaints on BBB and review sites about slow progress and fees charged before full resolutions. Court records show occasional disputes, which is common in this industry.
Red flags to watch for in any firm:
- Promises of specific percentage reductions
- Pressure to sign quickly
- Lack of transparency on fees or risks
Gitmeid Law appears to avoid the worst practices, but due diligence is essential.
Real Client Experiences and Feedback
Gitmeid Law office client feedback is mixed but leans positive among those who complete the program.
Many satisfied clients highlight:
- Significant debt reductions
- Relief from constant creditor calls
- Professional and empathetic team
- Legal protection when needed
One testimonial noted smooth communication and faster-than-expected settlements. Others appreciated the dedicated portal for tracking progress.
Common criticisms include:
- Long timelines (often 2-4 years)
- Delays in updates
- Credit score impact during the process
- Frustration with partial settlements or fees
Employee reviews on sites like Indeed are average, with some noting a fast-paced environment focused on debt cases.
Working with Gitmeid Law for debt relief suits those with substantial unsecured debt who are committed to the process and understand the credit risks.
Pros and Cons of Choosing Gitmeid Law
Pros:
- Attorney representation provides legal leverage
- Structured settlement process with dedicated account
- Focus on consumer rights and creditor defense
- Positive reviews from many who achieved savings
- Partnership options with larger debt relief networks
Cons:
- Potential for long resolution timelines
- Fees can add up
- Credit damage during non-payment phase
- Mixed results reported in some cases
- Not suitable for all debt types or situations
Alternatives to Consider
Before committing, explore all debt relief options:
- Nonprofit credit counseling (e.g., through NFCC.org) for budgeting and DMPs
- Debt management plans
- Chapter 7 or Chapter 13 bankruptcy (consult an independent attorney)
- DIY negotiation with creditors
- Personal loans or balance transfers if credit allows
Compare these against Gitmeid’s attorney-backed model for your specific financial hardship.
For official guidance on debt collection, visit Consumer Financial Protection Bureau (CFPB).
How to Get Started With Gitmeid Law
Contact them for a free consultation via their website or phone (866-707-4595). Prepare recent statements, income details, and a list of debts. Ask detailed questions about timelines, fees, success rates for similar cases, and exit options.
Review all documents carefully. Consider consulting a second independent attorney if anything feels unclear.
Final Thoughts
Facing financial distress is incredibly stressful, but options exist to move forward. Gitmeid Law offers an attorney-driven path to debt resolution that has helped many clients reduce burdens and regain peace of mind.
Success depends on your commitment, debt profile, and realistic expectations. Educate yourself, compare providers, and seek personalized advice.
Take the first step today by scheduling consultations with a few reputable firms. Financial freedom is possible with the right support and informed decisions.
FAQs
Is Gitmeid Law legitimate?
Yes. It is a licensed law firm in New York with BBB accreditation and years of operation. Results vary by case.
How much does Gitmeid Law charge for debt relief?
Typically 15-25% of enrolled debt or savings, plus possible monthly fees. Get a personalized quote.
Will working with Gitmeid Law hurt my credit?
Likely yes, temporarily, due to stopping payments. Scores often recover after settlements.
How long does the debt settlement process take?
Usually 2-4 years, depending on debt volume and creditor cooperation.
Can they help if I am being sued by creditors?
Yes, they provide legal defense as part of their services.
What if I want to cancel the program?
Review the contract for cancellation terms. Early exit may involve additional costs or responsibilities.
Is debt settlement better than bankruptcy?
It depends on your situation. Settlement avoids some bankruptcy downsides but does not offer the same comprehensive relief.