The Fair Debt Collection Practices Act (FDCPA) is a federal law enacted in 1977 that provides guidelines and regulations to protect consumers from abusive and unfair debt collection practices. Its primary purpose is to promote fair treatment and prevent harassment by debt collectors while ensuring debtors have rights and avenues for recourse.

The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009, often referred to as the Credit Card Act of 2009, was designed to establish more transparent and fair practices within the credit card industry. Key provisions include such as rate increases, fees and disclosures giving consumers more control and protection when dealing with credit card companies.

You gain cost-effective access to legal representation that would typically come at a premium price. Our attorneys take charge of ALL correspondence directly with your creditors on your behalf.

Depending on the debt structure, our programs typically range from 12 – 36 months.

On average, our clients usually reduce their total debt burden by 50% or more.

In a typical debt settlement plan, the client pays roughly 75% of their total debt load and their credit is severely impacted. Derogatory marks are placed on their credit when payments are missed, which results in a long term impact to the client’s credit score. Additionally, they will keep getting inundated with creditor/collector calls.
We offer lower monthly payments and less impact to your long term credit. Attorneys handle all communications, so you will no longer receive creditor or collector phone calls. Our program typically settles your debt in half the time and half the cost that a normal debt settlement program takes. Additionally, you will see a much smaller impact to your credit.