FREE CONSULTATION! 704-453-3188

SERVING THE CHARLOTTE METRO AREA

FREE CONSULTATION! 704-453-3188

SERVING THE CHARLOTTE METRO AREA

Debt Settlement

A lot of my clients have been solicited by companies claiming they can reduce their outstanding credit card debt by 40 to 60 percent. While it is possible to settle your credit card debt for less than what is owed, beware of the offers made by these companies. Do you know that most debt settlement companies do not even begin to negotiate your debt until you pay them thousands of dollars to cover their fee? Some even collect your money and then do nothing! These companies do not have your best interests at heart and this office is well aware of the predatory practices engaged in by these unethical debt settlement companies.

In my experience, 95% of the time a client interested in settling their unsecured debt is better off filing for bankruptcy protection. Not only does bankruptcy offer a “fresh start” and enable you to rebuild you credit over time, but generally speaking, it universally puts an end to the collection process by all creditors.

Most of my clients are in a better financial position and achieve higher credit scores in the years following bankruptcy than if they were to settle debt outside bankruptcy. For this and many other reasons you should talk with a bankruptcy attorney before talking with debt a settlement agency.

If you are interested in negotiating the balance of your debt with a creditor, talk to me first. I will set you up with a free consultation to evaluate your financial situation and give you professional legal advice on the course of action that is best for you.

Stephen G. Court
For more information, please contact us to schedule an appointment or for a no obligation review of your case.

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