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Know Your Debt

Posted on: March 1st, 2012 by Editor in Associated Attorneys, Attorney Debt Relief, Debt Settlement

Having Complete Debt Information is Essential

During the course of talking to hundreds of consumers relative to attorney debt settlement we have found that many don‘t know much they actually owe on their credit card accounts. When ask they usually give a range such as $30 to $40 thousand. Some are not sure how many outstanding accounts they have and how much is owed on each account. I suspect that most that don’t know how much, and to whom, they owe are probably in “denial”. They simply can’t face the reality of their financial circumstances.

Through many years as a practicing attorney I have found that with any problem that must be addressed, the first and most important thing to do is “get the facts”. After the facts have been determined a viable plan to deal with the issue can be crafted.

A plan that has been developed on insufficient or erroneous facts is deemed to failure. Moreover, a plan that has been developed on accurate facts is destined to succeed.

This general principal that is requisite to effectively dealing with any legal problem is also applicable in dealing with consumers who have unmanageable credit card or other unsecured debt. In this instance to “get the facts” means determining the identity of each creditor, the amount owed on each account, and arriving at a total amount outstanding. We insist that the consumer compile a written list of the individual credit card companies setting out the amount that is owed on each account. With that information it is then a simple matter to arrive at the total amount of debt owed.

After “getting the facts” the next step is to explore all options and then devise a viable program to deal with the problem. At this point the advice of a licensed attorney at law who is knowledgeable in consumer debt law and skilled in the art of credit card debt negotiation and credit card debt settlement is essential.

The truth of the matter is that financial difficulties will not go away by ignoring the problem. It must be met head on! The good news is that the problem of excessive, unmanageable credit card debt can be resolved. By far the best, safest, and most likely the most inexpensive way for consumers to get the help they need is through the professional services of a licensed attorney at law.

For more information contact Associated Attorneys, LLC at or call toll free (866) 411-4693.

States Where Legal Services are Available

Posted on: October 10th, 2011 by Editor in Associated Attorneys, Attorney Debt Relief, Debt Settlement, News

Associated Attorneys, LLC., can provide debt settlement negotiation and debt help for those who are suffering from oppressive and burdensome credit card debt. You can be debt free in less time than you might think. Your total cost will be surprisingly low. By using an attorney who is affiliated with Associated Attorneys your debt settlement will be without risk.

Associated Attorneys, LLC., offers you debt settlement services that no debt settlement company and very few, if any, attorney based debt settlement providers can or will offer.

Debt settlement attorneys in the Associated Attorneys network provide much more than just negotiating and settling your credit card and other unsecured debts. They will provide you with complete legal services. You will receive, at no additional costs to you, legal advice concerning all aspects of your debt settlement process. You will also receive, at no additional costs to you, complete legal representation in the event that you are sued by your creditors. This legal representation not only covers all aspects of a debt collection lawsuit, it also covers complete representation regarding the post judgment collection process. We know of no other debt settlement provider, attorney based, or otherwise that provides this total legal service.

When you hire an attorney which is part of the Associated Attorneys network you will receive services by an experienced consumer debt attorney licensed and practicing law in your state.

The states wherein Associated Attorneys will provide you with experienced, professional legal help are as follows:

Arizona	Maryland	Oregon
Arkansas	Massachusetts	Pennsylvania
California	Michigan	Rhode Island
Colorado	Minnesota	South Carolina
Connecticut	Mississippi	South Dakota
Delaware	Missouri	Tennessee
Florida	Montana	Texas
Georgia	Nebraska	Utah
Hawaii	Nevada	Vermont
Idaho	New Hampshire	Virginia
Illinois	New Jersey	Washington
Indiana	New Mexico	Washington D.C.
Iowa	New York	West Virginia
Kansas	North Carolina	Wisconsin
Kentucky	North Dakota	Wyoming

Do you Want to Extinguish your Credit Card and other Unsecured Debt?

Posted on: June 1st, 2011 by Editor in Associated Attorneys, Attorney Debt Relief, Credit Card Debt Relief, Debt Settlement, News

Extinguish Your Credit Card Debt

You can obtain risk free professional debt reduction and debt settlement of your credit card and other unsecured debts by an experienced Alabama Settlement Attorney. Your attorney will make every effort to settle your outstanding obligations for considerably less than your outstanding balance.

Your monthly payments will be much less than the amount you are presently paying on your accounts. You can be debt free in less time and at less costs than you might think possible.

Your attorney will negotiate with your creditors to settle your accounts for the least amounts possible. Settlements ranging from 55% down to 18% of the original balances have been obtained. Moreover, installment repayment plans extending over many months have been negotiated. In some instances credit card companies have agreed to forgive all interest and fees.

Why choose a debt settlement attorney in Alabama?

Unlike some debt settlement companies, who in an effort to gain “legitimacy”, have advertised that their debt settlement process is “Attorney Based” or “Attorney Assisted” you can be assured that your accounts will be handled and negotiated by a licensed attorney and no one else. Your attorney will give legal advice, keep you informed, answer your questions, and address any comments you may have.

You will pay only the attorney fee amount you and your attorney agree you pay and nothing more. There will be no retainer fee, no up-front fee, no maintenance fee, nor other hidden or undisclosed fees.

Typically, your attorney fee can be paid by monthly payments extending over a period of 24 to 36 months.

Payment terms along with the amount of the attorney fee will to be negotiated with your Alabama debt relief attorney.

Get the most comprehensive, safest and effective debt relief available.

By engaging the services of an Alabama debt settlement attorney you will get more than just credit card debt negotiation, credit card debt settlement, or credit card debt relief. You will get complete and comprehensive legal services regarding all of your debt settlement process.

Get more information about debt relief and debt help in your state by choosing it below.

Debt Settlement Jargon 101

Posted on: March 18th, 2011 by Editor in Attorney Debt Relief, Banks, Debt Settlement, News

Debt Settlement, as part of the financial industry, use a massive array of jargon. You can’t be expected to recognise all these technical terms, and some of them are quite important – so here’s a quick guide, in alphabetical order.

Affinity card. This is a Debt Settlement that gives a certain amount to a charity of your choice, depending on how much you spend. It is generally best to avoid any charity that wants you to sign up for such a card – don’t let guilt lead you to a high interest rate.

APR. Annual Percentage Rate. This is your overall interest rate, calculated yearly, and given as a percentage of your balance.

ATM. Automated Teller Machine. A cash machine. It will give you money when you put your credit card in, but will probably charge an extra fee.

Balance transfer. This is when you transfer your debt (‘balance’) from one credit card to another. The usual reason for this is to try and keep as much debt as possible on a lower-interest card.

Credit limit. Your credit limit is the maximum amount you can spend or withdraw from your card. Going over your credit limit will result in your card no longer being accepted, and you being charged an over-limit fee.

Fixed rate. A fixed rate card is one where you are given a rate when you sign up for the card and that rate, at least in theory, stays the same for the whole time you have the Debt Settlement. In practice, though, interest rates can be changed for almost any reason.

Grace period. Your grace period is the amount of time between when you spend money and when you start paying interest on it. Good cards can have a grace period of up to two months – bad ones might not have one at all.

Minimum payment. A minimum payment is the absolute lowest amount you can pay back to the Debt Settlement company each month – you should pay more, but you don’t have to. Minimum payments are usually around 2% of your balance.

Sub-prime. This is a phrase used in the industry to describe customers who are a bad Debt Settlement risk, but are seen as worth lending to anyway. If you are identified as sub-prime, you’ll start getting offers for loans secured on your property – they know that if you can’t pay, they’ll get their money anyway.

Teaser rate. A ‘special offer’ low rate, usually written in enormous letters. You will see many offers with “LOW 4.9% APR” in inch-high letters, followed by “for first six months, 21.9% thereafter” in microscopic ones. Teaser offers can sometimes be worth taking, but not if they tie you in for longer than the period of the offer.

Variable rate. This is an interest rate that is worked out by adding a certain amount to the current base rate. Taking this option will allow your Debt Settlement to be affected by changes in national interest rates – a good idea if you think they might go down, and a bad one if they’re on the way up.

Credit Report and Credit Repair

Posted on: March 18th, 2011 by Editor in Attorney Debt Relief, Credit Counseling

Is it necessary to do a credit report and a credit repair?

Credit report repair will surely help you to improve your credit report and thereby increase your credit score. It is process that eliminates the negative remarks and gives you a good credit report. There are many people who are unaware of repairing their credit report and thereby create obstacle to get credit extension. You can even repair your credit report timely or by checking it periodically.

With the help of good credit report you can have credit flexibility through which you can get credit at low interest rate. One should not get tired of bad credit report but seek suitable measures to improve it. Self-credit repair can be a difficult task but with the help of many online services one can easily repair it by one self. Below are a few tips, which can help you to repair your credit report.

• Order Credit Report
This is your first step in which you must order the credit report from all the credit bureaus. Don’t be surprised to see different credit report ratings as different credit bureau have different ways to maintain a credit report.

• Check Credit Report
In this step you must check your report carefully and slowly. It is quite general to find at least one error in one of the three reports.

• Document and Dispute Strategy
Any mistake in your credit report must be informed to the credit bureau. Finding the reason behind any error is equally important, as you understand your credit report. Maintain up to date copy of each and every document that can be used as future reference.

• Dissolve the Debts
Clear your debts payment if you are liable for it. This step is of vital importance, which can help you to improve your credit report rating.

Other Information
If you have unnecessary accounts then close it instantly. Remember Zero balance account is also taken into consideration. Verify each and every account that exists.

Debt Consolidation

Posted on: March 17th, 2011 by Editor in Attorney Debt Relief, Debt Settlement

You find yourself in a situation of mounting credit card debt. You have 5 credit cards in your wallet and have been shopping more than you earn. Initially you had no problems managing your funds but it has started to snowball not too long ago. Your spending has been steadily increasing as you find it hard to curb your shopping habits. From being able to pay the full outstanding balances on your credit cards, you are paying the minimum sum each month. Your salary can barely cover your required minimum payments.

This is when you start to realize that you are just unable to cope. You face stress and worry each month when you receive the dreaded statements from your credit card companies and your banks. Then, you begin to panic when you receive calls from the loan recovery department of your banks. Increasingly, you find it hard to keep secret your debt situation from your family members.

What can you do? So how about considering debt consolidation as a possible solution to get you out of this mess?

Debt Consolidation simply means taking all your outstanding balances and turning them into one payment. Normally this payment is lower than if you paid all of them individually.

This is what happens in a debt consolidation process. After you agreed on a plan with a debt consolidation company, the debt company pays off your debt to your creditors. You make a single monthly payment to the consolidation company each month. You get to also pay a lower average interest rate than previously.

All credit card debt consolidation loans require some form of credit card and debt counseling. You and your family have to cutback on your lifestyle while you get things back in order. However, the aim of debt consolidation is to have you debt free, with a roof over your head!

Take Part in a Debt Relief Program

Posted on: March 17th, 2011 by Editor in Associated Attorneys, Attorney Debt Relief, Credit Counseling, Debt Settlement, News

Many people want to know if they will be debt free after taking part in a debt relief program. This is a common question and concern. While it is important to note that individuals who successfully complete such programs will be able to overcome their current debt, it is also important to note that individuals may not be entirely debt free at the end of the program, as the enrolled individuals will often be allowed to continue to take out loans throughout the course of the program.

Individuals will only be as debt free as they allow themselves to become and many people will have to have some debt on their record. For many people, there is a common standard of living which requires loans. This may include a loan on a vehicle or a home. While there are a great many debt relief programs that are available within the United States of America, most of these programs do not take care of an individual’s secured debt. Some examples of secured debt include car loans, home loans and mortgages. As a result, many people will need to incur a car loan or a home loan in order to allow themselves a car or a home. Cars and homes are necessary for individuals to have jobs. Vehicles get them from their work and back, while homes allow individuals a place to rest and get ready for their work day.

Individuals also have the freedom to choose which types of debt and accounts that will be included in their debt relief program . This means that if they have three credit cards, and only choose to enroll two, they will still potentially have debt on the third by the end of their debt relief program. The program in which the individual is enrolled is not responsible for the money and debt that the individual chooses not to involve in their debt relief program. When an individual enrolls their credit card in a debt relief program, the account is closed. Since many people do not enjoy the thought of having no options available to them, they will choose not to enroll one or more of their credit cards in order to leave those financial avenues open to them. Any debt that the individual constructs on these un-enrolled cards will still be there when the individual finishes up their program.

This does not mean that people cannot be debt free when they enroll in a debt relief program. For individuals who make it a priority, it is possible to be debt free by the time they complete their debt relief program. However, this requires that the individual not have any home loans or vehicle loans, which can be made possible by owning a home, renting a house or an apartment and owning their own vehicle. Since this can be difficult for some people, it is important for applicants to be realistic about how debt free they will be as a result of enrolling in a debt relief program. They need to examine their own situations and priorities in order to determine how debt free they may be able to become after graduating such a program.

Get out of Debt Today

Posted on: March 16th, 2011 by Editor in Attorney Debt Relief, Debt Settlement, News

Learn More About What Debt Can Do To Your Future Financial Security Or Lack There Of

Debt is something that so many of us have to be concerned about daily and it is time that people start taking full responsibility for their own actions and learn more about how your debt is going to affect your future. Debt can totally destroy your financial security now and later on in life, so why are you still not doing anything to try and improve your current detrimental situation? Find out some different things that you can do by reading this article and really given some thought as to what improvements could be made in your life to help with your financial standing.

There are so many easy changes that can be made which would improve your debt condition drastically, over just a small period of time. If you would only stick to your guns on this and really work hard, staying focused and determined, within just a matter of time you will see just how easy it can be to ease yourself and relieve yourself from your debt stress, that is only growing bigger and bigger by the minute, unless something positive happens quickly enough.

Debt Consolidation can improve your financial situation dramatically and if you really pay close attention to any amount of money coming in, as well as going out, you are quickly going to see just how much better you are managing your funds each and every month that passes you by. Debt Consolidation can help you gain back control of your finances, as well as teaching you many different things that will help to prevent this terrible debt crisis from ever happening to you again in your future.

Managing your money more efficiently is not only going to help you with your debt problem but it is also going to teach you how to be a stronger, more responsible adult, who knows how to manage your finances more appropriately, which is going to be knowledge that you can carry with you throughout your entire life. Teaching your children how to manage and save money when they are young is something that will also give you a really good feeling inside, just knowing that you are preparing them for their future and they are going to know just what it takes to keep them in good financial standings later in life.

Debt is not something that you can get out of just in a day or two, it is something that will take you quite a bit of time but by working extremely hard and being very determined you are going to be able to alleviate many of the debt problems that are holding you down each month and start seeing the light at the end of the financial tunnel, that has been so dark and gloomy now for far too long.

Start reading finance books, which can be gotten at your local library, as well as on the internet for a very reasonable price. These books can be very helpful to anyone hoping to learn more about controlling finances, money management and how to get out of your current debt problems. Good luck!

Stress from Debt

Posted on: March 16th, 2011 by Editor in Attorney Debt Relief, Credit Counseling, Debt Settlement, News

Debt Can Make You Sick, Literally-Find Out How You Can Prevent This From Happening To You

There are many people that stay so stressed out and worried over the fact that they can not pay their monthly bills, that they are actually becoming ill from it. Debt stress is something that most of you out there know entirely too much about and if this sounds like you then perhaps you should consider reading this article very carefully. There are many things that you can do to help alleviate some of the current problems you have been undergoing each day.

Being healthy is very important and preventing debt stress from causing this occurrence (poor health) is also very important and anything you can do to help keep yourself healthy should be important to you. Exercising and eating nutritional foods, along with possible meditation or some other means, to help relieve you from some of that stress that is bogging you down each day, you will be surprised by the difference in which you feel.

Debt stress truly can make you sick, literally and throughout this article I do hope that you find different ways to start working on preventing this from happening to you. Pay attention to any/all of the helpful tips that I post throughout this article because you deserve to feel better each day and you do not ever need to allow debt to slow you down in any way, especially allowing it to affect your health in a negative manner.

Consolidating debt can be one thing you might want to try, this would reduce your monthly payments, because you are only going to be paying out one lump monthly payment, that will take care of all of those pesky debts that have been causing you so much strain, struggle and stress each day. Doing something positive to help get rid of some of your debt is always a good thing and for each individual it might be different.

Your Debt could be extremely different from the next persons and the relief from that debt could be gotten in a much different manner than with the next person. It does not matter how you achieve debt relief as long as whatever it is that you are doing is working for you and preventing you from being so stressed out that your blood pressure is always elevated and the threat of other health ailments are eliminated because of what it is you are doing each day to help yourself.

Debt does not have to be a constant worry or concern of yours, yes, it will always be in the back of your mind, until you have most of it alleviated but letting it keep you down, upset or sick, is just simply not the best bet, it is not healthy whatsoever, so make sure that you think about that when you feel that it is bringing you down each day. Debt Consolidation something positive so that you can start feeling better each day that you step out of bed, with a smile.

Start Getting Debt Relief

Posted on: March 16th, 2011 by Editor in Attorney Debt Relief, Credit Card Debt Relief, Debt Settlement, News

Debt Is Something That Can Completely Take Over Your Life-Information Regarding Credit Card Debt

Credit Card Debt is something that too many of us have to worry about day after day, feeling as though things might not ever get better some days. It is so very stressful wondering how in the world you could ever possibly find some debt relief and in many instances, it can cause depression, anxiety and even problems within a relationship or marriage. Throughout this article I want to discuss with you some more information regarding debt relief and how you can get it.

There are many options available for those of you who are completely flipping out each day just trying to make ends meet, feeling as if it will never get any better for you. Nothing positive is going to come your way if you do not decide to try and do something about it. Some choices are not easily made but in life, if you do not sacrifice when needed, things just might not get any better for you. We all want more information regarding debt relief, right! So, keep reading this article.

One thing that you could do if you are noticing that debt is controlling every aspect of your life is, start making some changes on the way you spend money, what you spend money on, how much you are spending and anything else within your daily routine that might need to be changed a little, to ease you from some of your financial struggles. Sit down and really give this a great deal of thought, instead of crying all the time, wishing, hoping and just waiting for something to change, without doing anything to make it happen!

Really pay close attention to what financial mistakes you are currently making that is helping to keep this debt burden on your shoulders at all times. Are you doing everything right, are you blowing unnecessary money on unimportant things, are you working hard enough to earn the money that it is going to take to clear up some of the debts that have collected over time? These are some questions that you all need to be asking yourself in order to begin the process of making corrections and different improvements in your life.

You also have the option of debt consolidation but make sure before you make any decision to do something such as this, that you are going through a legitimate company that is highly reputable. This decision needs to be one that is going to really help you financially. Ask plenty of important questions and really make sure that this is the best decision which will benefit you the most.

Get on the Internet and do some research in your spare time, to find out more about debt relief, as well as different little things you can do on your own to try and help out with your stressful financial situation. Anybody can run into debt problems such as these and it can happen when you least expect it. Do not wait for it all to pile up so drastically that nothing could possibly be done about it, do something now!