Question about Debt Settlement? or Debt Relief? Ask us Here and Get a Quick Answer

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Recently Asked Questions

Q: I received a collection letter for a hospital visit 18 months ago. I have never been billed by the hospital, so I did not know I had an outstanding balance above what I paid on the date of service. Does a creditor have a responsibility to make a good faith effort to collect a debt prior to turning the matter over to collection? Where in the many laws covering debt collection is the original creditors responsibilities written? Thanks, Phil A: Creditors are under no duty to try to collect themselves, but logic dictates they generally do as debt collectors charge a contingency rate, and debt buyers pay pennies on the dollar. Creditors are governed by many state and federal laws, but not the Fair Debt Collection Practices Act, except in very rare circumstances. Because each case is different, call 1-888-595-9111 today for a free debt help review or submit your information on this website.	Posted By Phil Burke Jun 19th, 2011 04:05:19 PM
Q: How could recover from my mortgage loan delinquency? Flagstar denied my application for a loan modification A: If you need assistance with a loan mod application, our loan modification attorneys offer a free consultation, please visit www.CDLoanMod.com and submit your information via the contact form on that site or call 1-888-595-911. Should you require help negotiating and settling additional debts for lower monthly payments and bills overall, our debt help lawyers can offer a free financial review as well, contact us today at the number above.	Posted By edith cueto Jun 18th, 2011 03:13:25 PM
Q: I have 3800 dollars debt that I wish to negotiate and payoff. I need help! A: Our team of debt help lawyers can provide a free financial review to assess the details of the $3800 debt you reference and others that may require our assistance. Once we receive your information and review, we will get back to you promptly to advise if we can negotiate and settle on your behalf. Contact our team of attorneys today by calling 1-888-595-9111 or submit your information by completing the website form on this page.	Posted By Larry Jun 17th, 2011 06:31:06 PM
Q: not behind yet but getting harder to pay. Would I qualify for debt settlement? A: Whether you qualify depends on many factors, including the total of your outstanding balances and how much you are paying now in monthly installments, even if they are just minimum payments. But being “behind” and it getting “harder to pay” is the right time to explore debt settlement. Call our team of debt help lawyers today at 888-595-9111 Ext.	Posted By trisha Jun 15th, 2011 03:31:29 PM
Q: I've been able to get my mortgage modified., but i have three credit cards i'd like to get the balances cut and interest rates reduced. I owe in total $30,000 with interest rates vareying from 24 to 30% interest. What is your fee and what could you possibly do to help? A: Debt settlement is the process of reducing credit card debt after default. There is no mechanism for modifying current credit card debts. Reductions in balances vary based on the circumstances, including but not limited to the current creditor and age of the debt, but often range anywhere from 40% to 60%, though each case is different. Call a debt help attorney today at 888-595-9111 for a free debt consultation to determine which options could work for you.	Posted By Bobby Munoz Jun 6th, 2011 11:34:21 PM
Q: How much does it cost to do debt settlement with your office? A: Debt settlement fees vary based on the facts of your case, there is no “hard and fast” answer, and the question must be viewed in terms of how much you save off the total debt, rather than how much you pay to do it. But generally speaking, there is a small file opening fee and nominal monthly maintenance fee, and then after a debt actually settles, a settlement fee based on the amount of the debt or amount saved. Because the amount of money you could save through a well designed debt settlement program could be substantial, call 888-595-9111 to receive a no obligation free financial consultation with a debt help lawyer or complete the free consultation form on this website.	Posted By Kelly Jun 6th, 2011 05:09:51 PM
Q: If I go into a debt settlement program, will this help stop the debt collection calls and letters I have been receiving? A: Though most consumers enter into a debt settlement program to lower total overall debt and monthly payments, a benefit of working with debt help lawyers to handle your debt settlement plan is that attorneys know and use the Fair Debt Collection Practices Act(FDCPA) and similar laws to stop debt collectors’ calls and letters (though some original creditors are not bound by the same laws). Debt settlement companies cannot offer the same benefit. Call a debt help lawyer today at 888-595-9111 for a free debt evaluation.	Posted By Lauren Jun 6th, 2011 05:34:52 AM
Q: What is the difference between debt settlement and debt consolidation? A: Generally speaking, debt settlement is where lawyers take the amount of unsecured debt you have at the present time and negotiate with your creditors to lower the actual amount/total debt. Debt consolidation puts all your outstanding debts together into one loan generally secured by your home as collateral, so you can make one payment per month. However debt consolidation does not reduce the overall total amount of debt that you owe but rather instead of having multiple payments, you now have one payment, and you still owe whatever you owed prior to doing the consolidation. Call to speak to a debt settlement lawyer today at 888-595-9111 for more information and a free debt help options consultation.	Posted By Robert May 27th, 2011 11:56:45 PM
Q: what are the top three debt schemes in the market A: 3 options for debt resolution include debt consolidation, debt settlement and bankruptcy. Debt consolidation involves replacing multiple loans or monthly payments with one loan, possibly obtained at a lower rate. However, debt consolidation doesn't reduce your total overall debt and generally requires you to put your home up as collateral. A debt settlement plan typically reduces the total amount of unsecured debt you have through 3rd party negotiation with your creditors for lower payments. With debt settlement you have experienced negotiators working with your creditors on your behalf. Bankruptcy, often used by those who have no income and are not able to pay their bills due to many issues, is the legal process by which all your available assets are liquidated and the proceeds are distributed to your creditors. Our debt help lawyers offer a free consultation to determine which option for debt resolution is best suited for your individual needs. Call 888-595-9111 or submit your information on this website.	Posted By satender May 25th, 2011 06:12:23 AM
Q: me and my wife have a combined debt of 60000.00 how long would it take to reduce? A: Sixty-thousand dollars is a manageable number. Experienced debt settlement attorneys can help reduce and settle your debt quickly and painlessly, and use your Fair Debt rights to protect you from harassing creditors in the meantime. Precisely how long it will take is a function of how much you can contribute to your debt settlement account each month, and also the status and stage of delinquency for each debt. Call 888-595-9111 for a free consultation based on the unique facts of your case.	Posted By alexander May 24th, 2011 01:13:45 PM
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* Each of our client's financial circumstances are different, as is each case and debt we accept, so the above examples and results are just that - examples - and are not guaranteed to occur in any one case. Prior results do not guarantee a similar outcome. These particular examples are results achieved by the law firm of Weisberg and Meyers LLC, please contact a law firm from your state located on this site for more details.

** percentages are approximated.