Consumer First Legal Network

What Consumer First Legal Network does

Consumer First Legal Network (CFLN) is a privately-held consumer debt relief law firm headquartered in Madison, Wisconsin, organized as Consumer First Legal Network LLC. Founded around 2010 and led by Managing Member Harold E. Stafford, Esq., the firm operates a national network of attorneys licensed in over 40 states and serves individuals and families experiencing unsecured debt distress who are seeking alternatives to bankruptcy or aggressive collection actions. The firm's core offering is a no-upfront-fee Debt Negotiation Program that settles delinquent unsecured debts at approximately 50% of the original balance on a contingency basis, with each client assigned a state-licensed attorney who monitors the case from enrollment through settlement. Supporting service lines include Consumer Protection Services (FDCPA, FCRA, TCPA representation), Bankruptcy Filing Assistance for Chapter 7 and Chapter 13, Litigation Support for debt collection defense, and referrals to Consumer Credit Counseling programs. The firm is designated as a Debt Relief Agency under 11 U.S.C. § 528.

CFLN operates on a contingency/performance-based fee model: legal fees are calculated as a percentage of the savings achieved on each settled debt and are only earned after a settlement is reached and the client has made at least one payment to the creditor, with no advance retainer required. The illustrative economics cite a 36-month program cost of approximately $486 per month and debt resolution in 1–3 years versus 15–40 years under minimum-payment scenarios. Headcount is reported at 1–10 employees, reflecting a lean core operating team that coordinates a distributed attorney network rather than a large in-house legal staff. Revenue is generated per case settled, making case acquisition and creditor negotiation outcomes the primary economic drivers.

Distribution is direct-to-consumer via a sales-led GTM motion: the firm's website, blog content, debt calculator tool, and social media channels (Facebook, Instagram, LinkedIn) drive top-of-funnel traffic; enrollment specialists conduct free initial consultations; and customer service representatives call enrolled clients approximately every two weeks with case updates. Clients access case progress and their FDIC-insured dedicated accounts through an online case management system. The firm does not publicly disclose revenue, fee percentages, or capital structure, and there are no disclosed funding rounds, institutional investors, or M&A activity in the available source material.

Name

Consumer First Legal Network

Legal name

Consumer First Legal Network LLC

Website

https://consumerfirstlegalnetwork.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Consumer First Legal Network is a privately-held, Madison, Wisconsin-based debt relief law firm with attorneys in over 40 states that negotiates unsecured consumer debts at approximately 50% of the balance on a contingency basis. It serves individuals and families in debt distress seeking bankruptcy alternatives.

Ownership category

akta.pro rank

Product category

Consumer Debt Relief Legal Services

NAICS

Legal Services (5411)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Compliance, Audit & Regulatory Services for Collections (FSAKAJAL)

Keywords

• Debt negotiation services
• Consumer protection law
• Debt settlement legal
• Bankruptcy filing assistance
• Credit repair services

Headquarters

HQ city

Madison

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Debt Settlement Legal Fees: Consumer First Legal Network operates on a contingency/results-based fee model where no upfront legal fees are charged. Legal fees are a percentage of the results achieved in settling or compromising unsecured debts. The fee is calculated based on the savings achieved (difference between original debt balance and settlement amount). Fees are only earned after a settlement is reached and the client has made at least one payment to the creditor. This means clients pay zero advance legal fees and the firm only earns payment upon successful debt resolution.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Consumer First Legal Network is a law firm that provides debt negotiation, consumer protection, bankruptcy assistance, and credit repair legal services to individuals and families struggling with unsecured debt. The firm operates with attorneys practicing in over 40 states and uses a contingency-based fee model with no upfront legal fees, charging only a percentage of debt savings achieved through settlements. Core services include negotiating with creditors, banks, debt buyers, and collection agencies to settle delinquent unsecured debts at approximately 50% of the original balance.

Product overview

Consumer First Legal Network LLC is a nationwide law firm comprised of attorneys in over 40 states providing consumer debt relief services. The core offering is a no-advance-fee Debt Negotiation Program, where attorneys settle unsecured debts at approximately 50% of the balance with no upfront legal fees. This program is paired with an Assigned Attorney Service that connects each client with a state-licensed attorney for ongoing support. The firm's portfolio also includes Consumer Protection Services (FDCPA, FCRA, TCPA representation), Bankruptcy Filing Assistance, Litigation Support, and Consumer Credit Counseling referrals. An online case management system and debt calculator provide clients with self-service tools to track progress and evaluate their options.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Negotiation Program A legal debt settlement service that negotiates with creditors, banks, debt buyers, credit card issuers, third-party collection agencies, and collection law firms to accept less than the outstanding balance on delinquent unsecured debts. Typically settles at approximately 50% of the debt balance with no upfront legal fees, serving individuals and families in debt distress.
• Consumer Protection Services Legal representation for consumers whose rights have been violated, including defending debt collection actions and filing lawsuits under FDCPA, FCRA, TCPA, and various state and federal consumer protection laws. Targets individuals experiencing creditor harassment or unlawful collection practices.
• Bankruptcy Filing Assistance Assistance with filing for bankruptcy relief under Chapter 7 and Chapter 13 of the Bankruptcy Code, including matching clients with bankruptcy attorneys in the firm's network. The firm is designated as a Debt Relief Agency under 11 U.S.C. § 528.
• Litigation Support Service Service in which an attorney in the consumer's state of residence reviews summons and complaints related to debt collection lawsuits and assists clients in responding to creditor complaints, discovery requests, or motions. Targets consumers facing debt collection lawsuits.
• Consumer Credit Counseling Referral Referral service to consumer credit counseling programs that combine unsecured credit card debts into one monthly payment and work with creditors to reduce interest rates over a typically five-year period. Designed for consumers seeking alternatives to debt negotiation.

Quantifiable outcome

• Debt settled at approximately 50% of original balance
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• National Debt Relief: One of the largest U.S. debt settlement companies, offering contingency-based unsecured debt negotiation with a similar outcome-pricing model to CFLN. Highly comparable in target customer, service mechanic, and digital-led GTM, though not a law firm.
• Freedom Debt Relief: Leading consumer debt settlement program that negotiates unsecured debts for a percentage of enrolled debt. Closely comparable on service type, contingency pricing, and consumer distress target segment.
• Lexington Law: Consumer protection law firm specializing in credit repair, FDCPA/FCRA disputes, and debt-related legal services. Closely mirrors CFLN's law-firm model, attorney-led consumer protection offering, and contingency-based engagement.
• Accredited Debt Relief: Debt settlement company providing fee-based negotiation of unsecured debts for financially distressed consumers. Comparable service line, target customer, and contingency-style pricing approach.
• CuraDebt: Debt settlement and tax debt resolution firm serving consumers seeking alternatives to bankruptcy. Similar service mix, contingency engagement model, and distressed-consumer target market.
• Pacific Debt Relief: Debt settlement program negotiating unsecured debts at reduced balances for consumer clients. Highly comparable in service mechanic, target segment, and fee structure.
• Beyond Finance: Debt settlement company consolidating unsecured debts into a single program payment. Comparable in consumer-debt-relief focus, contingency-style pricing, and inbound digital acquisition model.
• Consolidated Credit: Consumer credit counseling and debt management organization offering bankruptcy alternatives, debt consolidation, and financial education. Comparable in targeting debt-distressed consumers with non-bankruptcy resolution services.

Emerging players

• TurboDebt: Digital-first debt settlement company targeting the same distressed-consumer segment with a tech-led onboarding experience. Partial overlap in service type and customer profile, but lighter on attorney-led representation.

Broad incumbents

• JG Wentworth: Long-established consumer finance company known for structured settlement payments, with adjacent debt relief offerings. Comparable consumer-distress segment but broader financial-services scope than CFLN.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/consumerfirstlegal
• LinkedInlinkedin.com/company/consumer-first-legal-group-llc/about
• Instagraminstagram.com/consumerfirstlegal

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Consumer First Legal Network