QUESTIONS & ANSWERS

– YOU ASK WE ANSWER –

AEvery case is different and we charge based on the complexity of the case. We offer flexible payment plans. Please call us to schedule a free consultation.

AWhether you want to resolve the lawsuit quickly or you need to wait a few months, we can get you the time you need. Please call to get answers about your specific case.

AThe statute of limitations on most cases depends on the contract that is being used as a basis for the lawsuit. Some state have shorter statute of limitations, which may help get your case dismissed. It takes an attorney with experience to help make these laws work for you.

AOnce you are represented by an attorney you do not have to appear in court unless you are required to testify or there is a special circumstance.

AMost debt settlement or debt consolidation companies don’t have the resources or knowledge to help you the way an attorney can. An attorney can help you with lawsuits and can sue debt collectors for the mistakes they make in handling your case. Most of the time, when a debt collector is sued for a violation, they release the client from the original debt. A debt settlement or debt consolidation company cannot offer you this type of help.

AIf you don’t answer your lawsuit, the collection attorney will file a default final judgment against you. A judgment allows the collection attorney to garnish your wages, freeze your bank accounts, put a lien on your home and car, and take your property. A collection attorney can sell your property at an auction through a process called a levy.

AThere are several laws in place to protect you from garnishment even if there is a valid judgment against you. We have over a decade of experience in dealing with garnishment issues. We can stop wage and bank garnishments. Call us for a free consultation.

AWe can help you negotiate any kind of debt. Whether you are late on payments, you have been sued or have a judgment. We can and will find a way to help you.

AWe can help you litigate or settle any kind of debt. We have saved our clients thousands of dollars. Let us help you eliminate your debt. Call us for a free consultation.

AYes, we can put a stop to collection calls. Collectors can still send you letters, but the phone calls will stop.

AFDCPA stands for Fair Debt Collection Practices Act. The FDCPA is one of the best set of laws ever enacted by the government for consumers.  It tells collectors what rules they must follow when collecting debt.  There are many laws dealing with credit reporting and financing terms that we specialize in.  Call us for a free consultation.

AIf a debt collector is threatening or treating you in appropriately, it is important to take notes identifying the date, time, their name, company and specifics of what they are saying. Try and be as detailed as possible when you are taking notes. Make an appointment for a free consultation and bring your notes with you.  We may be able to sue on your behalf.

AYou do not have to show up in court. We do all the work for you.

AFiling for bankruptcy is a serious decision. We will analyze your situation and tell you how much money you can save by filing bankruptcy. If you have a lot of debt including credit cards and medical bills, bankruptcy may be the right choice for you.

AChapter 7 bankruptcy quickly discharges certain types of debt while allowing you to keep the property you need to live and work. When you’re facing overwhelming debt bankruptcy can often help, especially with credit card balances, medical bills and personal Loans.  A Chapter 7 bankruptcy can get rid of debts quickly, which most people prefer over a Ch. 13.

AChapter 13 bankruptcy is for the consumer who does not meet the eligibility for a Chapter 7 bankruptcy, either because your income is too high or you have too many assets. Ch. 13 allows the Debtor to keep their property and pay back some or all of their debt in a 3 or 5 year court approved repayment plan.