Most
clients that enroll into the debt settlement program do
so because they are having a *legitimate
financial hardship, want professional representation from
a licensed attorney, and do not want to file for
bankruptcy.
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When
handled properly, most creditors will agree
to accept less than the full balance to settle
the outstanding credit
card debt.
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*A
legitimate financial hardship is considered when you only
have enough money to cover necessary monthly living expenses
and limited funds left over at the end of the month to
pay credit card bills.
Necessary
living expenses typically include mortgage payments, rent,
grocery bills, home utility services, medical coverage,
car loans, as well as child support and tax debts.