| In today' s economy it is more important than | | | | charging of late fees over the amount of $10.00. |
| ever for consumer's to take back control of their | | | | Unfortunately, while these have been common |
| credit card debt. It's no surprise that with | | | | practices for years, in many cases they are also |
| unemployment skyrocketing and the costs of | | | | violations of your consumer protection rights. The |
| goods and services increasing that people | | | | good news is, once these violations are found, |
| everywhere find themselves struggling to keep up | | | | which typically takes about 1 week, your lawyers |
| with the minimum monthly payments and interest | | | | will then know that you are legally able to stop |
| charged by their credit card companies. The result | | | | paying on that debt until the matter is resolved. |
| is that consumer's feel like they are left with very | | | | At this point your attorney will call you and advise |
| few options to help them get out of debt and this | | | | you that your rights have been violated and only |
| is why recently the number of consumers who | | | | at that point can you legally stop paying your |
| have been forced to file bankruptcy has | | | | creditors. Your lawyers will then use these |
| skyrocketed BY 20%. | | | | violations to negotiate on your behalf to get your |
| SO WHAT IS MY BEST OPTION? | | | | debts reduced quickly. |
| So what can someone do if they are having | | | | WHAT RESULTS CAN I EXPECT? |
| serious debt challenges and they don't want to file | | | | Here are some of the typical results. The |
| bankruptcy? Hire a lawyer. That's right, the best | | | | attorneys who are well trained in these legal |
| thing you can do if you are in over your head in | | | | services say that in 99% of the cases they take |
| debt and need help to get out. Why? Because | | | | on they find many violations of consumer rights. |
| some lawyers who specialize in Consumer | | | | They also say that while there are no guarantees |
| protection Law and Contract law know that the | | | | as each individual case is unique in some way, in |
| banks, credit card companies and debt collectors | | | | 90% of the cases where violations are found, the |
| routinely break the laws that have been written | | | | consumer never has to pay another dime to that |
| to protect consumers when they enter into | | | | credit card or medical company. In many cases |
| contracts with these types of companies. | | | | the lawyers are able to get a cash settlement in |
| HERE'S HOW IT WORKS: | | | | favor of the consumer because their rights have |
| Here's how it works: a lawyer who is well trained | | | | been violated. |
| in this area will ask you to collect your credit card, | | | | A big part of the settlements the lawyers are |
| medical and other unsecured billing statements. | | | | able to reach include the complete resolution of |
| They will also ask you if you have had any | | | | the outstanding debt and they also demand the |
| contact with debt collectors who seem to call | | | | creditor to go back and restore the consumer's |
| constantly and call at all times of day and at work | | | | good credit rating. |
| or home. If you have, the lawyer will want to | | | | If you are struggling with credit card debt and |
| know about their collection efforts. | | | | medical debts and you are looking for help, the |
| Next, the attorneys will do an audit of your billing | | | | hiring of an attorney who specializes in consumer |
| statements, contracts and any collection activities | | | | protection law and contract law is probably your |
| looking for violations including: increased interest | | | | best bet. Many attorneys in this area are even |
| rates since the beginning of the contract, | | | | willing to set up affordable payment plans to help |
| increased minimum monthly payments, and the | | | | almost anyone. |