Recently Asked Questions

Q: What is the difference between unsecured and secured loans/debt? Are both types eligible for a debt settlement program? A: Secured loans or secured debt is borrowed money that uses an asset such as your home, your car, or some other tangible item as collateral. The assets used for a secured loan are a guarantee to your creditor that in the event you cannot repay the debt amount, the creditor or lender may repossess and sell off the asset in order to reduce the amount you owe. If the property or item is sold, you will still owe and be liable for the difference between what the item sold for and the remaining balance. An unsecured loan or debt does not have any collateral attached. If you fail to pay back an unsecured debt the lender or creditor can threaten to take legal action or hire a collection agency to attempt to collect what you owe. Unsecured debts include credit card bills, medical bills and personal loans as an example. Most unsecured debt can be included in a debt settlement plan whereas secured loans/debt cannot be included. Contact a debt help attorney today for a free financial evaluation. A qualified debt consultant can determine the debt settlement plan that’s right for you and your unsecured debt. Call 888-595-9111 or complete the website contact form.	Posted By Joe Apr 9th, 2012 03:09:20 PM
Q: I have many overdue accounts that have already gone to collection agencies. Can you do debt settlement with my accounts that are already in collection? A: Yes. Our debt help attorneys are experienced negotiators and will work to settle overdue accounts with both creditors and debt collectors. Our team of debt settlement attorneys can settle unsecured debts such as credit card accounts, lines of credit, and medical accounts on your behalf and also protect you rights under fair debt collection and other consumer protection laws. This is but one of the many advantages of working with debt settlement attorneys instead of a traditional debt settlement company. Contact the debt help lawyers of Attorneys for Consumers by completing the inquiry form on this website or call 888-595-9111 today for your free debt review.	Posted By Alfredo Mar 10th, 2012 10:12:26 AM
Q: How do I know a debt settlement firm is legitimate? A: As with any business you are potentially choosing to work with, do the research on a debt settlement law firm or company to confirm they are reputable before proceeding. An internet search of the firm name will provide you with information and reviews regarding the firm’s track record including testimonials from satisfied clients and ratings from organizations such as the Better Business Bureau (BBB) which serve to legitimize and establish credibility as debt settlement service providers. You can also check with the BBB by visiting their website and the state bar to confirm the firm is licensed in your state. Since lawyers must comply with all laws regarding debt settlement and adhere to strict bar association and legal ethics rules as well, a law firm typically provides an extra layer of consumer protection should you choose to go with us over a regular debt settlement company. Contact our debt help attorneys for a free, no obligation debt consultation by calling 888-595-9111 or submit your information by completing the form on this site.	Posted By Raul Feb 29th, 2012 11:17:03 AM
Q: Can I do debt settlement and loan modification at the same time? A: It is possible for a consumer to be working on a debt settlement plan and loan modification concurrently. Debt Settlement is the legal process of negotiating unsecured debt with creditors with the goal of reducing monthly payments and decreasing the amount of time it would take to pay off the total debt. Loan modification involves modifying or changing the terms of your mortgage loan to lower mortgage payments and potentially, to help many homeowners avoid foreclosure.. A mortgage loan is considered a secured loan and thus cannot be included in a debt settlement. Qualified debt settlement attorneys and loan modification lawyers are experienced negotiators and are knowledgeable concerning the latest laws that protect your rights. Contact the attorneys for consumers team by calling 888-595-9111 today for a free debt consultation. Whether its debt settlement, loan modification, or additional debt solutions, we can recommend a customized debt strategy based on your unique needs and financial circumstances.	Posted By Alan Feb 28th, 2012 04:13:52 PM
Q: I am far behind on some of my credit card payments, but not all, would debt settlement work for me? A: YES! After reviewing all of your outstanding obligations and the accounts / balances that are owed, our team of experienced debt settlement attorneys can advise as to the feasibility of a debt settlement plan for resolving the credit card and other debt issues that you may have. A debt settlement plan can include some of your monthly obligations for unsecured debt which includes credit card balances, medical bills, personal loans, collection accounts, lawsuits and or judgments and more, though the plan need not include all. As each of our clients presents a different financial situation, our debt help lawyers prepare and recommend a plan that is based on your unique needs and goals. Call to speak to a debt settlement lawyer today at 888-595-9111 for a free debt help options consultation and more information.	Posted By Gwendolyn Jan 10th, 2012 04:58:54 PM
Q: Will all of my creditors and debt collectors negotiate with your firm for a debt settlement plan? A: After careful review by a debt settlement attorney and analysis of each of your outstanding obligations, debt help lawyers can determine which of your debts are viable for debt settlement. As experienced debt negotiators, the team of Attorneys for Consumers has worked with a large number of creditors and debt collectors large and small and will work to obtain the most desirable outcome in a debt settlement plan, negotiating for reduced payment on your behalf. Visit our success stories page to see examples of creditors and collectors we have worked with. Contact the Attorneys for Consumers team of debt help lawyers today for a free consultation by calling 888-595-9111 or submit your information via the form on our website.	Posted By Carla Dec 21st, 2011 05:48:44 AM
Q: Is debt settlement always the best option for someone with a large amount of debt? A: There are many factors that determine whether a debt settlement plan is a recommended resolution for reducing and settling debt. Each consumer’s debt situation is unique. An experienced debt help lawyer can review a potential debt settlement client’s current obligations and total financial picture. At this point the attorney will advise if debt settlement is a viable solution for reducing debt and potentially decreasing the amount of time it will take to fulfill these outstanding debts. Other factors that determine the feasibility of debt settlement for an interested consumer include the status of monthly bills/payments, what types of debt can be included the settlement, the total amount owed and most importantly, your overall financial goals. Contact the debt settlement team of Attorneys for Consumers by calling 888-595-9111 for a free consultation and financial review. Or submit your information via the website form. A member of the team will contact you shortly.	Posted By Jackie Nov 16th, 2011 08:28:02 PM
Q: I have a deficiency judgment on a car that was repossessed a while ago, can debt settlement be done for this type of debt? A: A deficiency balance or the difference between what you owe on your vehicle loan and what your creditor receives from selling the vehicle after a vehicle repossession, can be included in a debt settlement plan. A debt settlement plan can also include other types of unsecured debt such as credit card balances, medical bills, personal loans, liens and other delinquent accounts. Debt Settlement attorneys can negotiate with your creditors to bring monthly payments down to a more affordable level once a plan has been created and approved. To get more information on creating a debt settlement plan, call the debt settlement attorneys of Attorneys for Consumers at 888-595-9111 for a free debt help consultation, or complete the form on this website and we will be back to you promptly.	Posted By Claudia Nov 15th, 2011 05:57:01 AM
Q: I have $20K in credit card debt. this has increased to this over 5 mnths with interest and fees. My income is $2014 mnthly. I am 73 yoa. Please advise. A: Debt settlement could be a viable option for dealing with the credit card debt that you have accumulated. Debt settlement attorneys can negotiate with a client’s credit card companies to lower interest rates and fees to reduce the total amount you owe, which could make it easier for you to afford the monthly payments. By decreasing the overall debt, you could potentially pay off your total credit card debt in a shorter time frame. Debt settlement plans work to settle many types of unsecured debts including credit card balances, medical bills, collection accounts and judgments, signature or personal loans and more. Contact the offices of Attorneys for Consumers for a free, no obligation debt settlement consultation by calling 888-595-9111 or submitting your information via the contact form on this website.	Posted By Jocelan Martell Oct 28th, 2011 05:14:06 AM
Q: Does a debt settlement hurt your credit or help? A: Being in debt can hurt your credit. Through debt settlement, you should be able to resolve your debts and ultimately have your credit report marked “settled in full” or the like. As a law firm handling debt settlement, should any creditors or debt collectors violate the Fair Debt Collection Practices Act or other consumer protection laws in an attempt to collect past due monies owed during this time, we can assist in getting the calls or letters to stop. Eventually, and with continued on time payments over many years, it is possible to bring credit up to an optimum level. Contact the debt settlement lawyers of Attorneys for Consumers for a free debt help evaluation to find out if debt settlement is right for you. Call 888-595-9111 or submit your information via the contact form on site.	Posted By Jennifer Sep 28th, 2011 06:49:45 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.