Credit card debt is a major financial problem for those who have lost income due to the economy, but there is help!
If you are struggling to make the monthly payments on your credit card debt or other unsecured debts, you may be eligible to have your debts reduced to amount you can afford to pay.

Legal experts specializing in unsecured debts negotiate for you to bring down the balances to an affordable amount.  A monthly payment plan is established based on your income and expenses to assure that your living expenses are covered before proceeding with the program.

During the program you will be offered agreements to settle your accounts for less than you owe. You’ll make monthly payments into a savings account to accumulate funds to pay the offers to settle. You pay off your creditors one at a time as funds in your savings accumulates. The cost of the program is included in the affordable monthly payments.

The monthly payments for this program are typically less than the minimum payments on credit card debt. The reason the payments are so low is that you only pay a portion of the amount you owe rather than the full amount plus interest.

Payment plans are typically between 24 to 48 months depending on the amount of debt and the monthly payment you can afford.

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TV commentators including Clark Howard, Suze Orman, and Dave Ramsey all offer advice on dealing with credit card debt. Unfortunately there are many people who don’t have the income to enter a credit counseling program or work out a payment plan with their creditors.

They advise you to work directly with creditors and collection companies. Here’s the problem, if you owe several creditors they all want to be paid first. If you are struggling financially you won’t be able to keep them happy. You also have to deal with them on a daily basis. It is possible to workout settlements with them, but only if you can afford to pay the settlements fairly quickly. If you can’t pay them they will take you to court.

Having legal representation to deal with these issues is much better than going it alone. One of our attorneys will meet with you personally to advise you on all issues relating to the debts enrolled in the program. They will negotiate for you and be your representative with your creditors so you don’t have to deal with them yourself.

Please contact us for more details about the program.