How We Can Help You Get Out of Debt

Our Debt Collection Defense Attorneys Fight for You!

If you are an individual struggling with any type of debt, we offer various debt relief services, not just one. No one solution is right for everyone as there would be no need for any other service if there were. Our services will help anyone having difficulties with debt. Whether you are on time and don’t want to hurt your credit or already years behind facing judgments and wage garnishments – we can help! Through our different options, we can provide you or your loved ones relief from the constant stress of being in too much debt.

When debt is the problem – we have the answers. Practicing law since 1993, FCA national service.org and members of his staff have helped of thousands of people with their mortgages, debts, business problems, and other financial issues. When you choose our law firm to help you deal with your debt, our debt relief representatives will evaluate your current financial situation. They’ll work within your budget to help create an individualized plan for your needs. We will then help implement the strategies, and the result will be you – debt free and stress-free – the way life should be!

Types of Consumer Debt Relief Services We Offer

Each of our clients’ debt portfolio’s contain different types of creditor, advances, and other accounts that need to be evaluated individually. Although past performance does not dictate future results, we have been able to achieve outstanding results since our inception. We can provide you with relief with the following services:

  • Debt Consolidation
  • Debt Management
  • Debt Validation
  • Debt Settlement
  • Budget Counseling
  • Bankruptcy

Is Your Debt Obligation Secured or Unsecured?

To figure out which consumer debt relief option is best for you, we must first figure out what type of debt or obligation it is that you are having difficulties with as there are different options available for each.

A Secured debt or obligation is when you pledge an asset or multiple assets in order to get take out the loan or other debt. Sometimes the asset is not a physical asset but can be your future income or money in your bank account. The most common types or secured loans are mortgages, car loans, and payday loans.

An Unsecured debt or obligation one you obtained without having to put up any assets as collateral. It is called an unsecured because the obligation isn’t backed or secured by any assets.

Many obligations can start off as secured and become unsecured. This is the case when the asset backing the debt or obligation is no longer in your possession or it loses value. Even though the asset backing the obligation is no longer yours or no longer has value, the obligation itself remains. The amount owed is called the “deficiency balance” or the “short amount” depending on the obligation being spoken of.

Below are Some Examples of Secured and Unsecured Debts

Secured Debts

  • Payday Loans
  • Casino Markers
  • Vehicle Loans
  • Timeshare Loans
  • Mortgage Loans

Unsecured Debt

  • Credit Cards
  • Gas Cards
  • Department Store Cards
  • Bank Loans
  • Bank Lines of Credit
  • Cash Advances
  • Medical & Hospital Bills
  • Most Bills in Collections

Secured to Unsecured

  • Past Due utility bills after your service has been terminated
  • Vehicle loans and leases after your vehicle has been repossessed
  • Timeshares obligations after your timeshare has been surrendered
  • Your home loan if you have already lost the property in foreclosure
  • Home loans if your home is worth less than what’s owed on your mortgage
  • Payday loans if you’ve lost your job
  • Taxi Medallions if you are no longer operating
  • Casino Markers if you have no money in your bank account

Our Representatives are Counselors Not Sales Representatives

Don’t let bad advice you may have heard from someone outside the industry or from a less than scrupulous company steer you wrong. Most other companies want nothing more than to make a quick buck by taking advantage of those in need. Their job is contingent upon selling their product and earning a commission for it – a sure way to make sure their products are misrepresented to you as their motivation is to sell you something. These same types of companies typically only offer one service, not multiple services like our firm, so no matter what your situation is, their objective is to try to sell you their one service, whether it’s right for you and your situation or not.

On the contrary, we are a law firm and pay our debt consultants or client service representatives a salary not a commission. Their job is not to sell you something as they are not paid based on how many clients the can enroll or anything of the sort – we do frequent compliance check-ups on each representative to make certain no will pressure you.

All of our representatives are well educated and more importantly are trained to be educators – as their job is to educate you. To make sure YOU clearly understand all the ins and outs of all the services we offer. That way YOU are able to make an educated decision. We are a full disclosure law firm so we do our best to ensure that when retained, anything that can happen along the way will have already been disclosed and explained to you. When we advise of the different choices we are sure to explain both the pros and the cons of each option.

Our Client Service Representatives Deal on a One-on-One Basis

This means you will speak to the same person each time, should you need to contact us. The representative that explains everything to you is the one that you will remain in contact with and will be up to date on your case. This further ensures that they will do their best to tell you everything possible in store ahead in order to manage your expectations of whatever process it is that you choose to retain us for as you will build a relationship over time with the same person. Our employee retention ratio is near 100% so the likelihood of your personal representative even leaving us is slim. We have happy employees here and happy employees make for happy clients!

It is for these reasons among others we urge you to call for a free consultation. It will not only save you the time of reading but also potentially from misinterpreting any of the information on our site. If you are unable to call now and want to continue trying to figure this out on your own, please by all means, continue reading further.

Our Process

Initial Consultation

We begin with a thorough discussion to understand your legal needs and business objectives.

Legal Analysis

We conduct a detailed review of your situation and develop a strategic approach.

Implementation

We execute the legal strategy while keeping you informed at every step.

Ready to Get Started?

Schedule a consultation to discuss your legal needs and discover how we can help your business thrive.