Debt Negotiation and Debt Settlement

We are experienced attorneys who will negotiate to settle your debts with every creditor for a fair amount. We will use the law to leverage settlement of law suits and prevent wage garnishment, bank levy, or liens against you. When bankruptcy is not right for you and you have assets to protect, then consider working with professionals who put the law on your side to eliminate your debts through settlement negotiations.

Debt Settlement is the bankruptcy alternative approach to eliminating your debts. You must have some money available to negotiate and effective settlement of any debts. When an offer is made by a creditor to accept less than what you owe on the debt, that is considered a settlement. Then, you can be sure to receive an IRS form 1099 at the end of the year on that cancelled debt because it will be treated as income.

Don’t suffer alone. Call the experienced Debt Settlement Lawyers who put the law on your side and effectively negotiate a settlement of your debts without the hassle of bankruptcy. We will even advise you on how to get back on your feet after debt settlement.

Consultations are always FREE. Call our Toll Free Hotline TODAY: 1-877-631-2220

We are a debt relief agency as defined in 11 USC §101 (12a). No attorney-client relationship is established until a retainer agreement is signed and all professional fees and costs are paid in full. Using any forms on this website does not constitute legal advice and does not guarantee representation.

Fair Debt Collection Practices Act

Known as the FDCPA, this federal act protects consumers from harassing debt collectors from:

  • 1. Indirect attempts to collect from others, a debt owed by you;
  • 2. Threats to take property or money from your bank account; harassment to get you to pay your debt or threat of a lawsuit;
  • 3. Continuing to contact you when they know you are represented by counsel; or have notified them in writing to stop calling;
  • 4. Disclosing your personal information to third parties;
  • 5. False representation of the character, amount or legal status of any debt;
  • 6. Implying that non-payment will lead to your arrest, imprisonment, garnishment, attachment, seizure, or sale if such action is unlawful or unintended.

You Have a Right to Sue Debt Collectors!

The Fair Debt Collection Practices Act (“FDCPA”) gives the consumer the power to sue for each and every violation that debt collectors commit under this law. The FDCPA is a strict liability statute, which means that you can be awarded monetary damages if they commit any violation, no matter how slight.

You Have A Right to Sue Harassing Debt Collectors

Debt collectors must treat you with truth, fairness, dignity, and respect. Period. Any debt collector who crosses the line and abuses you for the collection of a consumer debt can be sued in federal court for damages under a law called the Fair Debt Collection Practices Act (FDCPA).

What to Do if You’re Abused By a Collector

If you’re contacted by a debt collector, you have a right to dispute the debt either verbally or in writing. If you want to preserve some rights under the FDCPA, you must send a written dispute within 30 days of your receipt of the first “validation notice” from the debt collector. Even if you owe the debt, or you cannot pay, you still have rights under the FDCPA. Most of our clients owe the debt being collected but because of financial circumstances, or a dispute over the goods or services, they cannot pay it. In order to preserve your rights under the law, it’s important for you to keep good records of all of the contacts. Click here to see our collections communications log.

Important Steps You Can Take To Help Your Case

  • 1. Save copies of all letters and notices from collection agencies.
  • 2. Save all phone messages and voice mails- this is very important!
  • 3. Make note of your conversations with these bill collectors.
  • 4. Call your local consumer rights attorney Christine A. Kingston to help you recover your damages.

Toll Free: 877-631-2220

There Is No Fee In Your Case Unless We Recover

The law says that any debt collector who violates your rights may be made to pay you statutory damages of up to $1,000, actual damages, and attorney’s fees and costs, if you win your FDCPA case. If we agree to represent you in an FDCPA case, you won’t pay any attorney’s fees unless we recover on your behalf. You may be responsible for any other costs in your lawsuit.