I received an email from a prospective client recently which made me write this article. I was concerned with misinformation he received, which created his thought process, and I wanted to share it with you. From his email, I know he was talking to a debt settlement company who was aggressively trying to get his business without regard to his true financial situation.  Although, Debt Settlement is a great program and our law firm can help you save money, it is not for everyone and we don’t accept clients to put them at more risk than reward. There are too many companies out there taking on clients to help the company’s own bottom-line and not considering the the clients financial needs. We care about you and will accept your case if you truly need the help. Isn’t that the kind of advice you want?  You be the judge.

To preface the upcoming correspondence, the client was told by a debt settlement company, not our law firm, to sign up immediately even if he could afford the current credit card payments into the foreseeable future and they would start saving him money by using debt settlement(even though he doesn’t need DS).

Client email- “Stephen, I’ve been talking with another company and they have told me I should do debt settlement. You have recommended me against it, why? They are stating they can cut my debt by half.  Why wouldn’t I want to do this? If I am going to do this, I want to do it with a law firm since I know there are risks involved that a company can’t even attempt to protect me from. What are your thoughts that lead you to tell me not to do debt settlement?

My Reply- “Mr. ‘Client’, After reviewing your budget, assets, and creditor profile, you are not a good candidate for debt settlement. This program is not for taking risk but for avoiding risk. You may not yet, or ever be in the situation of the clients we represent. Our clients are trying to avoid Bankruptcy and this is the LAST option before BK. You are still able to make payments, and you don’t see yourself having trouble in the next 6-12 months, therefore you should continue to pay. On the contrary, if in the future, you see your money being depleted and you can see a vanishing point of your available funds to pay, then this is a proactive step to protect your finances, family,  and avoidance of potential bankruptcy.

Typical client cases we accept are in one of the three following situations:

1. They have fallen behind with their payments and can’t catch up.

2. They think they might fall behind with their payments in the next 6-12m if they do not find a solution

3. They are only able to make the minimum payments and because their interest rates are so high or minimum payments have increased, they’re not  making any progress on paying off their debt.

Feel free to call me to discuss any of the information. I hope you can see we are here to help your situation. ”

As you can see from the above correspondence, our law firm does a detailed analysis of each prospective client and accepts those cases which are a win-win for everyone.  If you are ready for debt relief and want to make sure your strategy is structured properly to give you the most protection and savings along the way, give us a call today. We are here and ready to help. Thank you for taking the time to read this posting. Call 877-343-3289 or fill out the contact form and we will get back to you at your requested time. Contact Us Here

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