If you have accumulated more debt than you can repay, often the only way out of the debt without filing for bankruptcy is a re-negotiation of the debt with your creditor(s).
Unfortunately, many banks make it very difficult for individual borrowers to negotiate their debt. They often stall and use pre-determined scripts to deal with customers, this tactic makes the process of getting a re-negotiation time consuming and incredibly frustrating. However, if you choose to use the Law Offices of John A. Long to negotiate your debt, we take over the whole process, using extensive legal knowledge and years of experience to attempt to arrive at a settlement with your creditor. Also, being represented by a qualified attorney means that the collection agencies are no longer allowed to contact you in any way, which stops the often harassing and stressful phone calls and letters.
Here at the Law Offices of John A. Long we engage with creditors in the negotiation of a clients' debt with the goal of reducing the total amount owed on that debt. We employ legal knowledge and years of expertise in an effort to obtain a settlement.
One of the most common ways to reduce debt is to check for violations of the FDCPA(Fair Debt Collection Practices Act) or the FCRA(Fair Credit Reporting Act).
Some examples of violations that the creditor or collection agency may have commited include(but are not limited to):
Here at the Law Offices of John A. Long we only accept cases that we believe have a resonable chance of being successfully negotiated. If you feel that any of the above violations have been committed, or that you were in some other way treated unfairly, you may be entitled to money damages. Please call our office to get your questions answered, or to arrange a meeting with one of our legal advisors to decide if a Debt Negotiation would be right for you.
If you plan on working with us, in order to best ensure that your debt negotiation is successful, it helps to have as much information as possible about all communications with any debt collector. Whether the contact was by letter, phone, or message, it is important that you keep notes of the details of the communications. Some basic information that you should be sure to include is: