ADE’s experts utilize the banking and consumer protection laws in order to dispute the validity of your debt. After the information about your debt has been sold to a third party you are no longer dealing with the original creditor. Your original creditor has already been paid in full by insurance they carry against all debt. We prove that the third party is trying to collect a debt that no longer exists. We have been doing this with great success for over 15 years.
ADE provides legal services with our program in order to protect our clients should a litigation, threat of litigation, or settlement situation be necessary. We have lawyers in all fifty states on retainer ready to protect you and your rights as a consumer.
Hardship is Not A Legal Defense
For Debt Relief
I get it. We have all gone through big stuff in our lives. Divorce, Sickness, Drug Problems, Spent too much money, Didn’t Make Enough Money, and on and on.
So, if you call everyone that you owe money to, surely, they will understand
these problems, and give you a break.
Usually, one break. That is it. They might give you Grace on your payments, once, promise not to repossess the car, just this time.
So, if you are currently in a financial hardship, I suggest you use the time to
talk to a professional. American Debt Enders provides absolutely free credit counseling from professionals.
Not, people just trying to sell you a debt relief program, but people trained to listen and then help you find a way out.
Be very careful who you call. If they sound like they are a salesman, and just trying to sell you their program, run the other way.
Better counseling produces better results!
If they seem like they care, and are not rushing you into something, then continue the conversation. Trust me, as someone who has been a credit counselor for over 15 years, you can tell the difference.
The salesman will sell you anything your willing to buy, whether or not it is right for you.
The true credit counselor will analyze your position and present the best alternatives for you.
With the proper information, you must decide which is the right program for you and finally, enroll in the program.
The last step is vital! You must begin the process, because if you are subpoenaed into a court of law, neither the judge or the debt collector will be interested in your story of woe!
As part of our program, we provide legal support in your state to deal with any legal issues. So, what does all this have to do with Legal Defense for Debt Relief?
In certain situations, you may be threatened by a collector or creditor to bring you to court. This may be in the form of a letter or a subpoena. In this case, It would be brought to the attention of your attorney and the attorney would suggest the best way to handle it.
Now keep in mind, that you now have an attorney working for you, communicating with the collector or creditor’s attorney. You are always in a better positon when it’s attorney too attorney communicating instead of the average person. This is very important!
Your attorney will decide how to proceed in your best interest, whether there is a case for dispute because laws were not followed or a negotiated settlement is in your best interest. Even in a settlement situation, they can usually negotiate your debt down to significantly lower debt, stop all interest and penalties and set up a long term payment plan. You’re in the hands of professionals that know the laws work and how to apply them to your situation.
Almost half of Americans have a credit card balance that they don’t pay off in full each month. The average interest rate has risen 35% over the past five years. Understandable, since even with the Federal Reserve’s rate cut, credit card interest rates are still near post-recession highs.
Not paying bills in time once or twice is fine, but when the interest rate climbs, it gets harder to control, and before you know it, you realize you’re left with very large amounts of debt that is crippling you financially.
That doesn’t have to be the case, though. With American Debt Enders, you can get rid of your credit card debt through careful planning, consultations, and ways to reduce your interest rate.
How American Debt Enders Can Help
American Debt Enders provides a wide range of debt resolution and consultancy programs that have helped thousands resolve their debts and get rid of debt collectors.
Debt Resolution Services
While it may seem enticing, bankruptcy isn’t your option if you’re finding it difficult to pay off your credit card debts. While debt resolution can help consumers get out of debt, it can also benefit the creditors. Bankruptcy carries various disadvantages for an individual and can do a number on your credit score. The debt resolution services offered by American Debt Enders, on the other hand, can provide a win-win situation where you can resolve your credit card debts in a controlled way without incurring severe interest rates.
If a consumer is eligible for bankruptcy under chapter 7, it may be a faster option, but it may not be a good fit for everyone. Some people may choose not to file bankruptcy due to their financial troubles. Others may be reluctant to surrender their home or properties.
Credit Counselling Services
American Debt Enders hosts a panel of experienced professionals that can provide you with credit counseling services to create a get out of debt plan. Credit counseling is an inexpensive way to manage your debts and keep track of your expenses. It can help you avoid accruing high-interest rates and fees.
Some of the concessions of credit counseling may not be enough to help you pay down your debts quickly. Still, it can help you have a fixed monthly payment that you can pay off over a more comfortable period without the fear of growing interest rates or late fees.
Get Rid Of Credit Card Debt With American Debt Enders
American Debt Enders’ debt settlement and credit counseling programs can help you take back control of your finances and create a strategy to pay your dues back on time. To get more information on how we can help, call us at 1-877-350-3328 for a consultation.