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Debt Resolution Program
Many of our clients come to us when they are facing serious financial distress, especially when they are facing potential creditor actions such as litigation, collection efforts, garnishment, or loss of property. Our firm provides legal representation to assess whether creditor claims are valid and enforceable, reduce the risk of litigation, ensure your rights are protected and address the creditor claims in a manner consistent with your rights and long term goals.
If this sounds like your situation, we can help you take back control.
Right now, 61% of Americans are living paycheck to paycheck, and many are struggling to pay their debts. Credit card debts are rising and becoming unmanageable, and more than 30% of cardholders have accounts in collections, putting them at risk of being sued. We have helped thousands of people through our Debt Relief and Defense service.
Our Debt Relief and Defense services help you:
1. Reduce your debt
2. Manage stress caused by the debt and debt collectors
3. Prepare you for a brighter financial future
Our program works. Debts can be eliminated in as little as three years and you can rest assured that you will have access to an attorney throughout the entire journey, at no additional cost, so you are never alone.
Attorney Consultation
At your request, we will schedule at a time for you to speak with one of our attorneys to review your financial situation and explore potential options such as debt settlement, bankruptcy and credit counseling. We can also discuss your right to have debt collectors validate any debt you think they might not have the right to collect or where they may be attempting to collect an improperly inflated amount of money. All clients will be provided free information about the potential ways to reduce or eliminate debt.
Stop Creditor Harassment
It is a violation of federal law for debt collectors to call you once they have noticed that you are represented by an attorney. Once this Agreement is effective, you can tell any debt collector that you are represented by New Path Law Firm and provide New Path Law Firm phones number. At your request, we will send written notice to any debt collector that you are represented by New Path Law Firm.
Lawsuit Defense
If you are sued by a Creditor as a result of a debt we are attempting to settle we will, at your request, defend you without charging you for attorneys fees. Defense is only provided at the trial court level and does not include appeals or any post-judgment actions. If you are sued as a result of unsecured debt that we are not attempting to settle in pre-litigation negotiations, the Firm will represent you for an hourly rate of just $175 for attorneys and $125 for staff.
Debt Negotiation/
Settlement
To help you resolve debts that you believe that you cannot now or soon will not be able to afford to pay or that you dispute the amount you owe, and to reduce the likelihood of adverse legal actions by your creditors, our firm can attempt to negotiate with your creditors in an effort for them to accept less money than they claim that you owe. This can get you out of debt many years faster and save you tens of thousands of dollars compared to continuing to make minimum payments.
FDCPA
We will educate you about your rights under the Fair Debt Collection Practices Act (“FDCPA”) and assist you with identifying possible creditor violations. The FDCPA protects you from abusive and unethical tactics that are often employed by debt collectors. If you and the attorney assigned to you believe a violation of the FDCPA has occurred, we will represent you in a pre-litigation effort to stop the violation and get you compensation at no advance charge to you. You would only pay us if we recover money for you. If litigation is required to resolve the claim, a separate agreement will be needed.
FCRA
We will educate you about your rights under the Fair Credit Reporting Act (“FCRA”) and assist you with identifying possible creditor violations. The FCRA protects your right to have accurate and timely information appear on your credit reports. If you and the attorney assigned to you believe a violation of the FDCPA has occurred, we will represent you in a pre-litigation effort to stop the violation and get you compensation at no advance charge to you. You would only pay us if we recover money for you. If litigation is required to resolve the claim, a separate agreement will be needed.
Education / Financial Literacy
We will provide you with written resources to help you better manage your finances and information about ways to eliminate debt through bankruptcy, debt settlement, and credit counseling. At your request, the Firm will provide up to two hours of consultation regarding how to handle any litigation or threats of litigation pertaining to your debts.
