What kind of debt can you help me with?
We can help with most unsecured debt. That would include credit card debt, medical bills, unsecured bank loans, old utility bills and repossession. We cannot help with any secured debt which would include your car or house payment, government backed student loans, IRS, or child support.
In what ways will this program benefit me?
Many! The most important is that sooner rather than later you will have DISPOSABLE INCOME! You cannot reach your financial goals if there is no way to save or invest. Wouldn't it be nice to take the money you are now paying to your creditors and be able to put that money to work for YOU? Whether you want to save for retirement or a college fund for your children or grandchildren, you need DISPOSABLE INCOME.
Why not go with a non-profit program?
Any non profit agency is only going to reduce some of your interest rates. They will not lower any of your principle. Would you rather go with a non profit and get your interest rate lowered or reduce your overall unsecured debt by 40%-60% INCLUDING fees?
Do you charge interest?
No. The amount you will pay is based upon the current debt when you enter the program.
What are the fees?
You will be represented by a firm. However, you are not required to pay exorbitant attorney fees. Your fees are already included in the 40%-60% reduction.
What will my monthly payment be?
That depends on the amount of debt you have and what is comfortable for YOUR budget. You will almost certainly pay less than you are required to pay now.
In which law firm will I be placed?
Unlike most debt relief companies we work with more than one firm in order to match a client with the firm most suited to his or her needs.
How will this affect my credit?
Your debt to income ratio is one way that lenders will decide if you are a good risk. If after meeting all your expenses and paying your monthly payments for your credit cards or other unsecured debt there is little or nothing left, you are not credit worthy in the eyes of many lenders. They will see that you cannot afford any more debt. Good credit got you into bad debt. The most important thing you can do now is to GET OUT OF DEBT. Any debt management program will affect your credit in the beginning. But, once you begin to pay off the accounts and obtain zero balances, you will gradually lower your debt to income ratio and be more attractive to potential lenders. Many people don't want to ruin their good credit but they let their good credit ruin them. Once you are done with the debt negotiation program you will benefit from credit restoration which will significantly benefit your credit standing.
Can I achieve these settlements on my own?
While it is possible for someone to achieve settlements on their own we do not recommend it anymore than we would recommend somebody doing brain surgery on themselves. Creditors do not take you nearly as seriously as a law firm. Would you know how to negotiate a debt settlement or what a good debt settlement would be? An attorney specializing in this area would know most individual creditors and what their standard acceptance offer would be. In order to achieve settlements is important to understand the proper way to fill out certain financial forms and most people do not know how to do this properly. A debt reduction professional also knows what to say, what not to say, and what to ask for. Even amongst lawyers it is said that the lawyer that represents himself has a fool for a client. This is the case for either a lawyer or non-lawyer negotiating debt settlements for themselves. When someone else is negotiating for you the calls and letters from the collector go to the debt management professional that is representing you. It is common for debt collectors to try and do things to trick you. Potential fraud is a danger. They may go to any lengths in order to get you to pay off debt in full. They have been known to have you send money you have been told would be settlement of the debt in full only to find they have lied and simply taken the money and there is still a balance on the debt.
Can you help people in any state?
Yes, if you are anywhere in the United States, we can help you.
How do I get started?
Call us now for a free consultation at 888 695 1086. You will speak to someone knowledgeable, friendly and efficient that will put you on the path to being debt free!
Are you
available nights or weekends?
Yes! We are available on weekday evenings and Saturday afternoons. If you don't reach a live person please know we check voice mail frequently so PLEASE leave us a message so we may call you back!
