If you are having trouble paying your bills, you are receiving late payment notices from creditors or debt collectors, you are not alone. Most people will face a financial crisis at some point in their lives and it can seem overwhelming. But with the right advisor or advocate on your side, it can usually be overcome. If you think that you could benefit from debt settlement, we would be happy to go over your options with you.

Debt settlement involves settling debt with your creditors by paying a portion of what you owe as full satisfaction of the debt. The settlement can be paid in one lump sum, or occasionally with a payment plan. This sum is typically much less than what you originally owed.

Settling your debt may help you avoid filing for bankruptcy and could potentially Improve your financial situation. It can also be beneficial to the creditor by enabling them to receive at least some of the money they’re owed rather than nothing at all.

In order to successfully negotiate debt, you must consider factors such as how old the debt is, who owns the debt, the amount owed to each creditor and how many creditors you are indebted to. Our experienced staff can better identify which creditors pose the threat of filing a lawsuit against you and which creditors are not likely to file a lawsuit against you. This knowledge will help us and prepare a plan of settling your debts efficiently and with the least collateral damage.

We take your entire financial situation into account. We will go over all your finances and assets and prepare a detailed monthly budget of your expenses and net income. We will never put you into a situation that you cannot afford. We know that there is no way to help you out of a bad financial situation without fully understanding all your finances.

We will use our experience and knowledge of consumer protection laws to deal with third party collection agencies and debt buyers. Many of these third parties violate your rights when attempting to collect on a debt and we can hold them accountable.

If you are overburdened with credit card, home loan, or other type of debt, or have fallen behind on your payments, call us today for a free consultation!