If you are having difficulty paying off your debts, don’t despair - debt help is available.
There are a few different solutions, and the Law Office of Janet Contero will help you find the one that’s right for you, based on your situation.
With a recession and the highest unemployment in recent memory, more and more Americans are finding themselves trapped by the amount of money they owe. The interest rates on most credit card debt are so high that virtually none of the monthly minimum payment goes to paying down the principal debt – almost all is purely interest.
Debt Settlement
Debt Settlement, also known as Debt Negotiation, is a program for consumers who are overwhelmed with unsecured debt. It is an alternative to bankruptcy for people with substantial unsecured debt and little ability to pay it off on their own.
The Law Office of Janet Contero offers this service as an alternative to Bankruptcy for those who have enough assets to negotiate a settlement on their debts. We will help you set up a savings strategy. We will contact and negotiate directly with your creditors on your behalf. Using a debt settlement program we will settle each account for a reduced amount. In some cases, depending on the total amount owed and your ability to pay, it usually takes somewhere between 6 and 48 months to completely settle and pay off your debt.
Is Debt Settlement right for you?
If you cannot make all of your monthly payments each month, or cannot pay more than the minimum monthly amount to reduce the principal, then Debt Settlement may be right for you. If you are considering bankruptcy because of your debt, and want to avoid it, then Debt Settlement is something to consider.
When debt settlement is the preferred method, we begin by disputing the debt and demanding proof of the debt from the creditor. Often, the creditor cannot prove the debt, and we are able to settle the matter at an early stage. Other times, the process is more involved. In either case, we work directly with the creditors to stop the harassment experienced by so many individuals and families who fall behind in their payments. The Law Office of Janet Contero will help you each step of the way to building a brighter, debt free future.