What is "Debt Relief"?

The goal is to eliminate debt by reducing interest rates and fees, while providing a lower monthly payment. Under the debt management plan, you promise to pay back the full principal over time.

What Are My Debt Relief Options?

As you seek to relieve financial strain from your current debt issue, we encourage you to obtain a case assessment from our firm. Individuals who are experiencing severe financial difficulty may be able to avoid filing for bankruptcy. Debt relief takes place through negotiation of a debt, which calls for a reduced balance.

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Common types of debt that can be negotiated include:
  • Credit Card Debt
  • Automobile Loans
  • Medical Bills
  • Personal Loans

Debt relief includes any process, such as debt settlement or loan modification that can relieve a debtor of the financial strain they face.

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  • You never received what you were supposed to
  • The goods you received were defective
  • The contract was in error or illegal
  • The creditor acted dishonestly
  • You were not informed of your rights when signing
  • Your consumer rights were violated

A counterclaim is a different approach that can address unique issues not raised in the original complaint from the creditor.

If a debt collector or collection agency intentionally violates the FDCPA, they can be sued for damages. Do not allow this type of abuse to damage your hope or your future. Take legal action today and schedule a case evaluation. We have the resources to provide you with a personalized evaluation of your case and to help you navigate each step of bankruptcy process.

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Not only can creditors be intimidating, but the complaint you may receive is often rife with confusing legalese. At Smith & Messina LLP, we can work on your behalf to reach the best possible outcome and help you avoid aggressive creditors.

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Have Questions About Where To Begin?

If so, click to call our law firm today, and request a free consultation with one of our professional bankruptcy attorneys!