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What is Consumer Law?
The legal program is known as Consumer Law focusing on "debt verification" and "debt resolution" services. This is program whereby attorneys review the billing practices of consumers' creditors and the debt collection activities of any third party that has purchased their information. In many cases equivocal 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. All consumers have specific rights and the lawyers' responsibilities are to see they are upheld. Attorneys well versed in consumer law will work diligently with each and every client to ensure their rights are protected.
How does our program work? Our services are comprised of a network of attorneys that will renegotiate your current financial obligations with your creditors for a lesser amount then you currently owe. Your monthly payment is based upon your income and financial status. If you are interested in speaking with one of our qualified staff members please fill out the inquiry form and we will set up a confidential no obligation phone call to discuss the benefits of the program.
While the negotiation process is taking place the client will be making monthly payments into their third party FDIC insured account. These funds will be used for future negotiations on the client's behalf. During this process the client's credit will be adversely affected. However, most of our clients who qualify for Debt Resolution already have a credit score that is being adversely affected due to being behind on payments, late on payments, or from being overextended with to much debt. After completion of the program the client will be on the road to a credit worthy debt free future.
Should I consider bankruptcy? You may consider bankruptcy, although you should investigate all other avenues of debt relief prior to filing for bankruptcy. Bankruptcy can eliminate all of your debt, but the consequences of bankruptcy can often outweigh its benefits. The bankruptcy process is often expensive, invasive and uncertain. Bankruptcy stays on your credit for 7-10 years; and the impact of a bankruptcy will negatively affect you as far as credit and the ability to obtain financing for years to come. It may even cost you higher auto and health insurance rates. Debt Resolution while problematic to your credit while you are in the program will have less of an adverse effect on your credit and over a shorter period of time.
What types of debts qualify for Consumer Law?Only "unsecured" debts qualify for our Consumer Law Debt Resolution program.
Below are examples of unsecured debts that typically qualify for Debt Resolution:
- Unsecured Debt
- Personal Loans
- Credit Card Debt
- Store Credit Cards
- Medical Bills
- Unsecured Bank Loans
- Auto repossession along with letter of deficiency
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