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Smith & Messina, LLP

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What Is Debt Relief?

The goal of our debt relief program is to reduce the balance owed, eliminate interest and fees, and provide you with a more manageable, lower monthly payment. Under the debt relief plan we work out for you and your creditors, you will always know exactly how much is being repaid, and we will get a written agreement setting forth that agreement with your creditors.

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 the negotiation of a debt, which calls for a reduced balance.

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.

Contact Us To Put Together A Personalized Debt Relief Plan

Debt relief is personalized for your financial situation. Some people want to reduce the balance as much as possible and are able to make a one-time lump sum payment. Others are looking for a longer-term monthly payment plan. In my experience, a creditor is willing to work with this firm to reduce the balance to the amount you want to pay or reduce the monthly payment to allow you the time to pay it. Once you are satisfied with the terms of repayment, we always insist a written agreement is put in place to memorize the agreement, and to avoid any future misunderstanding with a creditor.

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.

Buffalo Bankruptcy Lawyers With Experience

Not only can creditors be intimidating, but the complaint you may receive is often rife with confusing legalese. At Smith and Messina, LLP, we can work on your behalf to reach the best possible outcome and help you avoid aggressive creditors. Call 716-648-1400 or email us today.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.