Credit card debt settlement facilitated by qualified attorneys at Consumer Debt Law Services: A professional debt relief service that's a better alternative to bankruptcy, debt consolidation, credit counseling, and especially non-attorney based debt reduction services.
"The most successful credit card debt reduction service on the market. Period."
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Dealing With Debt Collectors

In the event that one of your creditors or a debt collector contacts you, do not discuss anything with them, do not engage in conversation with them. You will direct them to contact the Law Firm's Creditor Services department by phone. Remember, you hired an attorney to manage the repayment of your debts. That makes it a Federal violation for the debt collectors that repeatedly call and harass you.

The involvement of debt collectors during the initial phases of the debt negotiation process is inevitable. There are three general types of debt collectors:

  1. those that work for the original creditor
  2. third party organizations that purchase debt from the original creditor
  3. scavenger debt collectors

Regardless of the type of debt collector, they are all required to abide by specific State and Federal laws designed to help protect consumers from inappropriate debt collection activity.

The two primary Federal laws applicable to debt collection activities are the:

It is very important that you are aware of your rights in regards to debt collection activities. Understand, the primary goal of a debt collector is to obtain payment for the alleged outstanding debt as soon as possible. And in many instances, they will lie and illegally harass you to no end. Do not talk to them or agree to anything. Follow the instructions of your attorney. Most importantly, if a debt collector claims that your attorney has not sent them a letter of representation, contact the law firm immediately with the debt collectors contact information.

Do not allow yourself to be intimidated by a debt collector.

You may not have a legal obligation to pay a debt purchased by a third party debt collection organization. You may not maintain a contract with a third party debt collector. A third party debt collector will attempt to engage you in a contract based on the potential statements you make while communicating with them and actions you take such as making payments. Do not engage in any conversations with a third party debt collector. Do not admit that the debt is yours. Do not make any payments to a third party debt collector. More on client responsibilities.

What is a scavenger debt collector?

A scavenger debt collector is a company that has purchased your alleged debt (usually pennies on the dollar) from another company that was not successful in the collection of the debt. Because the debt was uncollectible or the time for collection of the debt has expired due to the statue of limitations, these companies often employ very aggressive and obtrusive tactics to intimidate consumers to pay on the debt. Many tactics are a blatant violation of the Fair Debt Collection Practices Act, and many of them have been sued by the FTC.


Sample telephone script for what to say to a debt collector should they contact you once you've retained the law firm.

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Contact us immediately if you need assistance dealing with unscrupulous and annoying debt collectors. 1-877-571-9690

Credit Card Debt Relief

Debt Settlements Are Guaranteed Or Your Money Back, Including Law Firm Attorney Fees!

The program offered at Consumer Debt Law Services is not your typical "get out of debt" service. This service employs highly skilled and experienced attorneys that use legal techniques to renegotiate the contracts with your creditors. The attorneys boast the highest success rate in the industry for safe and aggressive debt reductions.

This service is not related to credit counseling, bankruptcy, nor debt consolidation loans.


"Reduce huge credit card debts and avoid bankruptcy!"

Our debt negotiation attorneys can reduce and settle debt balances with every major creditor:

-Advanta
-American Express
-AT&T Universal
-Bank of America
-Bank One
-Capital One
-Chase
-Citi
-Direct Merchants
-Discover
-Fifth Third Bank
-First National Bank
-GE Money
-Home Depot
-JC Penny
-Mastercard
-MBNA
-National City
-Providian
-Sears
-Target
-US Bank
-Visa
-Wachovia
-Washington Mutual
-Wells Fargo

Plus many more...

The debt negotiation attorneys you retain at Consumer Debt Law Services have settled multi millions of dollars in consumer debt over the past 15 years. Negotiating the most aggressive debt settlements is the focus of the Law Firm’s practice. Their average settlement is about thirty nine cents on the dollar - saving each client literally thousands even tens of thousands of dollars.

DEBT SETTLEMENT SERVICES

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