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Debt Relief

Debt Relief

How does it work?

Our debt negotiation program is used as means to get you out of debt faster than making minimum payments to creditors. This program is effective in negotiating with your creditors in reducing the amounts owed. The benefits include monthly payment savings, ease of single or bi-weekly payments directly debited making it more affordable and usually less than the minimum payments you would have been paying.

During the enrollment process, you will have a free consultation with a local in-state attorney. You and the attorney will review your financial analysis and budget to confirm the program fits your needs. Each program is tailored specifically to each client and the attorney assigned will oversee the entire program from start to finish. In the event you receive a legal notice related to the enrolled debt, rest assured you will have representation.

Based on your program and available funds, our team of attorneys and negotiators work directly with your creditors to negotiate a reduction in the amount you owe. When an agreement is reached, we will present it to you for approval. Once approved, the funds in your Dedicated Account will be used to pay your creditors and our attorney fee for that settlement. After the full settlement amount is paid, you no longer owe on this debt.

How long does it take?
The program length varies from 24-48 months, depending on each individual’s situation. This is considerably shorter than it would take to pay off a large amount of high-interest debt by making minimum monthly payments.

How much do I have to pay each month?
We work with you from the beginning to make sure the monthly program deposit is one you can afford. Your monthly deposit includes estimated settlement amounts as well as legal fees and service costs. The settlement fee is a percentage of your enrolled debt. When you enroll in our firm’s debt negotiation program, you make monthly deposits into an FDIC-insured Dedicated Account that you own and control. As the funds accumulate, we create a custom negotiation strategy based on your particular mix of creditors and debt amounts in order to maximize your savings.