Debt Consolidation Services – We Help Settle Your Debts

We provide debt consolidation – debt settlement services as a non-bankruptcy options for those who qualify and where it is a better option than bankruptcy. Feel free to contact us with your questions.

Will My Creditors Accept a Debt Settlement Plan?

• Most creditors will accept a debt settlement proposal.
• Not all creditors are guaranteed to accept a proposal.
• The time to convince a creditor to accept a plan can vary.
• Creditors who have previously accepted plans are usually more inclined to accept new proposals.

The vast majority of creditors are willing to accept a debt settlement which lets you consolidate your debts into one payment. It’s not 100% guaranteed that every creditor will accept a proposal but we work hard with those types of creditors and have never failed to get a positive response.

What is the Cost of a Debt Settlement Plan?

• Fees can vary based on the nature of your debts.
• Fees can also very based on the complexity of your debt situation.
• Pending lawsuits can affect the costs of a debt settlement plan.

Our fee can vary depending on the nature and complexity of your debts but in the long run, debt consolidation is always a better financial option and frees up your finances so you can have more debt relief.

With our proprietary software, when we analyze your options, we calculate what our fee would be in conjunction with a total plan to resolve your financial issues.

What happens to my credit during a debt settlement plan?

• while in the debt settlement process your FICO score will generally be poor
• if you’re in debt settlement and using credit cards to pay bills your FICO score will generally be poor
• there is a problem of false scores where credit scores are artificially high

How are your debt settlement services different from others?

• all your options are laid out and explained in terms you can easily understand
• all the pros and cons of all your options are examined, considered and conveyed to you
• we provide a comprehensive and fair analysis of your options
• if a debt settlement or debt management plan is not your best offer, we can provide legal services in the form of Chapter 7 and Chapter 13
• we have extensive educational materials to assist our clients in obtaining a good credit score
• I have intimately dealt with clients’ credit reports and credit scores both with Chapter 7, Chapter 13, debt management and debt settlement.
• We offer the most comprehensive and fair analysis and help you select the best option for yourself.

We professionally and objectively weight and explain all the options and present the reasons why someone should use debt settlement or debt management and/or we explain all the issues and problems of filing for a bankruptcy.

Will all My Debts Be Canceled?

At the conclusion of your debt settlement plan, all your debts you listed with us will be canceled. Sometimes it might take longer than we expected due to changing policies with creditors and our attempts to obtain for you the best possible settlements.

There are no additional fees or costs if it does take longer to secure good settlements.

Are All My Debts Included in a Debt Settlement Plan?

You don’t have to include all of your debts in a debt settlement plan. First, our debt settlement plan only deals with credit debt and general unsecured debt like personal loans, medical bills, etc.

Our debt settlement plans don’t deal with mortgage arrears, car payments and other secured similar type of debts.

Stop Creditors From Harassing You

There’s a high compliance rate of not harassing people in debt because of the Federal Debt Collection Practices Act because they have been sued so many times, that they have finally gotten the message. When you enroll in our debt settlement program to consolidate debts, we send letters to all your creditors directing that all your bills be forwarded to our office.

Under the law, once an attorney represents you, no one can call you about your financial matters. All your calls come to my office after you tell them simply, Call my lawyer. You would give them my phone number.

The Federal Debt Collection Practices Act, or under Connecticut’s law which prohibits harassing phone calls. Under these laws you can be compensated for the harassing phone calls.

Don’t Hesitate Learn More and Get Started Today

A successful debt settlement can be quite tricky to come by whether doing it alone or through a so-called debt settlement company. In the end it’s easy for me to advise you to use an attorney to take your through a debt settlement because you’ll be 100% legally covered, and creditors take attorneys much more seriously.