Non-Bankruptcy Debt Relief
Do you have creditors calling you at home or work and constantly harassing you? Are you afraid to pick up the phone? You are not alone. If you don't want to file bankruptcy and want to start paying back your unsecured debts (i.e. credit cards, medical bills), I can help negotiate these debts down or get you into a payment plan with the creditors that you can afford.
If you are already being sued by a creditor, I can help you file an answer. However, time is of the essence, as you only have 28 days from your date of service to file an answer in court. Not doing so can lead to a default judgment against you, which can hurt your credit rating and lead to a garnishment of wages. I will work tirelessly to negotiate a fair settlement before having to ever attend court.
If you feel a creditor has engaged in abusive, deceptive, unfair collection practices, or has backed out of a settlement agreement that they previously made with you, you may be entitled to a monetary award. There are laws in place to make sure you are treated fairly regardless of how much money you owe, if any at all. It is up to the creditor to prove what you owe. Let me be your shield during this embarrassing time and protect you from those creditors.
If you have paid off a debt and your credit report still shows a negative rating or if an accurate negative rating is on your credit for longer than seven years (ten with a bankruptcy), I can aid in clearing that up. The major credit bureaus are Transunion, Experian and Equifax. You are entitled to one free credit report every twelve months. If your credit report shows an error, a dispute letter must be sent to the bureau, as well as a copy to the creditor, who then has thirty days to rectify the error. If this does not occur, a lawsuit can be filed.
I specialize in ensuring the Fair Debt Collections Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) are enforced. Under the FDCPA and FCRA, you are entitled to statutory damages, actual damages, emotional distress damages and attorney's fees and costs if violations have occurred.
I know firsthand the stress and difficulties of falling into a period of financial hardship. I've been there, too. You can rest assured knowing I will fight to protect your rights and work hard to resolve your case in a way that is most cost effective for you.