Debt Partner Programs

What type of programs are available to me?

In the process of Debt Validation, an attorney reviews the billing practices of a client's creditors and the manner in which third parties collect the debt through the client's information. Consumers have several specific Federal rights granted by The Fair Credit Billing Act, The Fair Debt Collection Practices Act, The Truth In Lending Act, and The Fair Credit Reporting Act. There are several cases where ambiguous fees and interest calculations affect a consumer's final bill. Many debt collection companies employ aggressive debt collection practices that are in violation of Federal consumer rights.

We have a network of experienced attorneys who will study their client's statements to ensure correct billing. The attorneys will also seek out any violations of the Federal right of their clients. In case there are any violations, the attorneys will challenge them in the court of law. This often results in the removal of inappropriate charges from their client's statement and brings significant reduction in the total amount of debt owed.

Along with finding rights violations, attorneys will also evaluate the debt collection methods used by their client's creditors to ensure that they are in compilation with the consumer rights. If there are any rights’ violation, the attorneys will take action on their client’s behalf.


Debt Settlement: Settle for Less

A debt settlement plan offers a comprehensive financial plan to reduce and eliminate your existing debt through proper financial management. Debt settlement is an affordable approach to unsecured debt management and elimination of such debt.

Under debt settlement, a debt settlement expert negotiates with your creditors to settle your debts at amounts that are significantly less than what you currently owe to the creditors. Such negotiations typically result in a significant reduction of your overall debt. We have spent years in this business and our solid partnerships with creditors offer many benefits that can be accomplished through this program:

1. Consolidate multiple payments into one simple payment
2. Typically completed within 36 months or less
3. Minimize creditor harassment
4. Reduce debt between 40-60%

Program Steps:

1.Your expert debt counselor will review your budget information along with your debt and suggest one of our programs for you. While most debt settlement companies offer a single plan, we are industry leaders with multiple solutions that are designed to meet your individual needs.
2. After deciding which program is most beneficial, it will be your decision to select the time to make your first payment. This easy date selected by you will be your payment date every month. There will be no more different due dates to remember or budget for.
3. After your decision to enroll in the debt settlement program, we will contact your creditors and inform them of your decision to seek help with debt management. After that all you have to do is send us one monthly payment and we take care of the rest of the formalities.
4. If you keep making your monthly payments on time, we’ll make sure that we settle your accounts out one at a time in lump sums.
5. Simply keep making your monthly payments on time and you will be on the path to Financial Freedom.

Results:

As a result of the debt settlement work done by us on your behalf and the benefits we achieve for you, you will be able to pay off your debt in much less time (12-36 months) than you can do on your own.
How? Reducing the total amount owed between 40-60%. Prior to enrolling in the program, a majority of your payments go towards interest and late fees. Many times nothing is applied to principal. By settling your account out, you are eliminating these useless fees and only paying back what we negotiated your debt down to.

What is the difference between secured debt and unsecured debt?

Secured debt is when there is a security interest in real property or assets that are used as a guarantee that you will repay a loan as laid out in your loan agreement. If you do not meet the terms of the loan agreement, your secured creditors will have rights to the secured assets as a means to guarantee they get paid. The best examples of this in everyday transactions are home mortgages and car loans/leases.

What types of debt(s) can be settled?

Most any type of unsecured debt can be settled. For example:

1. Consumer debt
2. Credit card debt
3. Business and/or commercial debt
4. Slow or late payments
5. Debt collectors and/or attorneys
6. Medical bills
7. Deficiency balances
8. Store credit cards
9. Major credit cards
10. Pre judgment
11.Settlement and negotiations with nearly all creditors

To best determine which accounts can be settled, please call or email us.

How do I get started with debt negotiation and settling my debt?


Contact us for free information and a free quote via the web form or call us today!