Unfortunately, sometimes people are short on income and are unable to pay their credit card bills timely. Credit card companies will work with customers sometimes to reach an agreement, but oftentimes the matter is turned over to collections and/or the debt is sold off to a debt purchasing company. These companies buy the debt in bulk for pennies on the dollar and then try to collect from the consumer. Their tactics are often harassing and intimidating and can even violate federal law.
Debt collection companies will frequently sue cardholders to obtain a judgment on the debt. Many times, however, the debt collection companies do not have the ability to “connect the dots.” This is where we come in. We will hold the debt collection companies to their burden of proving that the debt is yours and that the debt is accurate. If they can prove their case, you are no worse off than you were before hiring us. If not, your debt will be canceled. Most importantly, you will not have to pay us anything. If we win, our fees will be paid by the debt collection company. If we do not prevail, you owe us nothing. Please call us so that we can discuss your case with you.