We are a consumer advocacy group that specializes in referring consumers for legal solutions to their current financial challenges. Our goal is to ensure that your rights are well protected and to curb collection abuse. Our strategy is extremely effective.
Legal Credit counseling services Remember THERE IS LIFE AFTER DEBT and we will help you get back on track.
We work with experienced debt law firms and debt settlement attorneys that negotiate with over 50,000 creditors and we are confident that we will be able to help you to develop a debt consolidation repayment plan or credit card management plan that will fit your budget and help you to reach your goal of becoming DEBT FREE!
Credit Card Management If you carry a balance, a credit card debt can be like a very expensive loan made by banks, gasoline companies or department stores. These credit card debts yield high profits to their issuers for several reasons. The most important is the high rate of interest (as high as 33% each year). Interest from a credit card alone can account for the bulk of the profits earned by the bank that issued you the credit card. Also, many credit card companies charge an annual fee for issuing you the credit card, and most of these companies charge late fees, over-the-limit fees and other miscellaneous charges.
Legal Credit counseling services Debt Negotiation is a service that was developed to help people who can no longer afford to pay their monthly minimums and do not want to file for Bankruptcy.
Debt Negotiation is a legal process whereby a consumer retains the services of an attorney to represent them in negotiations with that individual’s creditors. Qualified Debt Negotiation attorneys leverage Federal and State consumer laws, as well as their existing relationships with major creditors, to negotiate the repayment of the consumer’s unsecured debts for significantly less than the full amount.
In the example above, the attorneys were able to negotiate a total settlement amount due of $13,400. That equates to a savings of $13,600 or approximately 50% of the total debt originally owed.
Debt Negotiation is the fastest growing and most effective alternative to bankruptcy. Debt Negotiation is not the same as Credit Counseling, Debt Consolidation or Debt Validation. By retaining the services of our attorneys to facilitate a Debt Negotiation, our clients can expect to benefit from the use of the most effective Debt Negotiation strategies available, but also to receive proper legal protection against the often predatory practices of debt collectors. As a law firm, their goal is to not only save you money, but to also uphold and defend your consumer rights as granted by the Fair Credit Billing Act, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Our Debt Negotiation solution has helped thousands of American families avoid bankruptcy and take the first step towards reaching their goal of financial freedom. The ultimate objective of the program is to get you the fastest debt relief possible so that you can focus on enjoying your life. You will be relieved of your debt burdens, you will avoid the hardships of bankruptcy, and more importantly, you will finally be debt-free!
Benefits of Debt Negotiation - Debt Free in as quickly as 12-36 Months - Avoid Bankruptcy - Low Monthly Payment - Reduce Debt Up To 60% - Minimize Creditor Harassment - Privacy Guaranteed - Regain Control of Your Life - Understand Your Options
Debt Validation services Are your creditors activities valid?
Debt Validation is a process whereby attorneys review the billing practices of our client's creditors and the debt collection activities of any third party that has purchased their information.
Every consumer has specific Federal rights granted by The Fair Credit Billing Act, The Fair Debt Collection Practices Act and The Fair Credit Reporting Act. In many cases ambiguous fees and interest calculations affecting a consumer's bill, as well as the aggressive debt collection practices being employed to collect on the consumer's debts, are in violation of Federal consumer rights.
Our attorneys will diligently review your monthly statements to ensure that you have been billed correctly. Our attorneys will identify any violations of your Federal rights, and enforce them accordingly. Should violations be identified, our attorneys will challenge them, often resulting in the removal of inappropriate charges from your statement and therefore a reduction in the total amount of debt owed.
In addition, our attorneys will evaluate the debt collection methods being employed by your creditors to ensure that they are not in violation of Federal consumer rights. Should violations be identified, our attorneys take action on your behalf.
Bankruptcy services
Bankruptcy is defined as a legal finding that declares the inability or impairment of ability of a debtor whether an individual or a business entity, to pay its creditors.
An insolvent individual debtor, that is a debtor with more liabilities than assets, can use the personal bankruptcy process to legally avoid paying almost all of his or her personal liabilities either temporarily or permanently.
Bankruptcy law in United States which is codified in Title 11 of United States Codes as Bankruptcy Code aims to give an honest debtor a "fresh start" in life unburdened by most of his former debts. An individual debtor can seek relief by filing petitions according to the chapters in the code that deal with personal bankruptcy. For individuals, the two most relevant chapters in the code are Chapter 7 and Chapter 13.
Chapter 7 gives a discharge to the debtor by allowing a court appointed trustee to liquidate the non exempt assets of debtor and distribute the proceeds among the creditors. Chapter 13 allows the debtors to payoff whole or part of their debts through a trustee according to a court approved repayment plan usually lasting from three to five years.
The debtor has to decide which method suits him best. While a debtor can get a discharge fairly promptly by filing under Chapter 7, this method might entail losing important personal property like the home, if it is not exempted. On the other hand, Chapter 13 bankruptcy allows a debtor the use of property and consolidates his debts together. However since the debtor has to stick to a repayment plan, he must have a regular income and accept the fact that full discharge can only come at the completion of repayment plan.
Concerns of the debtor
Another advantage to the debtor that results from personal bankruptcy filing is that all actions already started against the debtor must cease and no further actions can be initiated by creditors once the petition is filed, due to the 'automatic stay' that comes in to effect.
Bankruptcy filing is a matter of public record, but in practice hardly anybody will find this out unless they are personally involved in the case. However, the bankruptcy filing will be on the debtor's credit record for ten years.
A debtor can hope to obtain fresh credit fairly quickly after the discharge, in comparison to a heavily burdened debtor. Decision of course depends on the new creditor and is fairly complex with many other factors also contributing.
Whether a personal bankruptcy filing will affect the husband or the wife of the debtor will depend on the State the filing is done and on whether some of the debts are secured.
In 2005 Congress made several changes to bankruptcy law to prevent abuse. These include, 'means testing' and filing of tax returns to see whether debtors can in fact pay the debts instead of avoiding them, a two year residency requirement in the State concerned to prevent debtors taking advantage of differences between states as to property exemptions etc., and mandatory debt counseling before filing among others.
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Legal Information Is Not Legal Advice This site provides information about the law designed to help users safely cope with their own legal needs. But legal information is not the same as legal advice -- the application of law to an individual's specific circumstances. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a lawyer if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.
Consumer Credit Counseling Information, Debt Management Plan Information, Debt Settlement Plan information, Credit Counseling, Credit Score, Consumer Credit Counseling Service, CCCS, Bill Consolidation, Credit Repair, and Debt Consolidation is not advice, and we recommend you consult a licensed credit counseling agency, debt settlement attorney, and/or licensed debt management plan administrator in your state if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.
