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Can an attorney eliminate my debts completely?

Attorneys have eliminated over $500,000,000 in consumer debt since 2005.

How long would it take to resolve my debts?

It depends. In some instances the attorneys have eliminated a client’s debt within 2 months. Only a qualified attorney can evaluate your case and determine whether to be really aggressive with your lender. Before any negotiations occur an attorney must figure out what your obligations are under the terms of your contracts. Only then can it be determined what if anything you would need to pay back.

Each case is unique and the length of time varies from card to card but every creditor should be handled in the same professional manner until the debt is resolved.

How do I qualify for an attorney based credit card relief program?

It is not a program. Everyone qualifies to have an attorney review the nature of the contractual relationship between you and your creditors. An attorney is going to get to the bottom of the issues you are having and figure out what your rights are under the law. You may be a victim of predatory lending and if so your attorney is going to tell you what your damages are.

My debt keeps growing. What can I do?

Hire an attorney or seek help from a compliant debt relief program.

Will creditors and debt collectors stop harassing me?

Creditors and debt collectors will try and discuss the contract with you with the sole purpose of causing you to waive your rights under the law. Do not discuss your case whatsoever with any debt collector or bank if you are represented by an attorney, or if you are enrolled in a compliant debt relief program that is supposed to handle this for you!

A qualified attorney or debt relief provider will not tolerate any harassment from a creditor, debt collector or debt purchaser. The attorney will make the independent decision as to whether or not a lawsuit is warranted.

What do I say when the creditor or debt collector calls?

"I am represented by an attorney and my attorney told me that you are not supposed to be calling me. I need the following information from you and my attorney told me that you are required by Federal and State law to disclose this information so that my attorney can contact you and discuss the debt. If you do not give me this information, I will have to hang up and call my attorney and let him know that you refused to provide me with the information. So please provide me with the following..."

What do I have to do while an attorney is handling my case?

Answer the phone, keep a good communication log, send your provider or attorney every letter you get (even certified) and most important, RELAX. You are hiring an attorney that knows how to handle banks and their debt collectors.

What about my credit score during or after my case?

Federal law prohibits a creditor or debt collector from reporting that a particular debt is delinquent without reporting that the account is being disputed. The Fair Credit Reporting Act requires that the creditors, debt collectors, and credit reporting agencies report accurate and complete information about you and your credit worthiness.

While trying to resolve your debt, it is generally not advisable to take out any extensions of credit. This could not only interfere with your attorney's ability to handle your case but can also put you in worse shape than when you hired the firm. If you are considering taking out additional credit first discuss this with a professional advisor, such as a financial planner, credit consultant or legal counsel. Let them help you, that is their job.

The first phase should be to ensure that the creditors, debt collectors and credit reporting agencies properly report the status of any contract. This means that if your attorney requests that the contract be verified and for some reason it cannot, this fact would have to be reported. If it is not, the furnisher of information is potentially violating the law.

The second phase should be to address the manner in which negotiated settlement and release agreements are properly reported on your credit report. You should also obtain all three copies of your credit report from Experian, Equifax, and TransUnion. Once obtained, they can be challenged and any incorrect information on the credit report may be corrected and require that the information be investigated, re-investigated and verified.

In the event that it cannot be verified but remains on your report an attorney will make the decision as to whether or not a Federal lawsuit is warranted. If so, you could be entitled to statutory damages, actual damages and attorneys’ fees.

How do I know I will not get scammed?

Attorneys are regulated by a State Bar, debt relief providers are regulated by state consumer protection laws and federal law. Please feel free to research the firm you hire.

Are you a law firm?

Consumer Debt Defense LLC is not a law firm, but we do work with various program providers who offer alternatives to bankruptcy. If you are interested in a debt relief alternative, we can help you with that.