Hope Legal Team LLC is law firm specializing in debt negotiation, real estate matters, including loan modification and short sales, as well as litigation matters. Let us help you eliminate your credit card debt, sell or save your home using our attorneys with over 15 years of experience in the real estate business. We offer a free, no obligation personal meeting with our Credit Specialists. debt relief agency.
Debt Settlement or Debt Negotiation
Typically, a reputable debt settlement company can help people that are truly struggling with credit card debt, by representing them in negotiations with creditors to secure settlements of anywhere between 40-60% of the amount of debt owed (at time of enrollment). Of the debt relief options, debt settlement is the least expensive, and shortest in length, with most debt settlement programs averaging between 12-48 months in length.
While debt settlement is an option intended for getting consumers out of debt, not credit repair, one side effect of the process is consumers that graduate from these programs are often more enticing to lenders than people enrolled in credit counseling programs, people with credit card debt, or people that have bankruptcies on their record.
Consumers that can no longer afford to pay their minimum payments, but can afford a debt settlement program, can often times avoid bankruptcy*.
*Anyone considering Bankruptcy should consult a bankruptcy attorney.
