We Can Help You Get Out of Debt Without Filing for Arizona Bankruptcy Through Our New Debt Negotiation Service
That's right. Our experienced attorneys have been able to successfully settle or negotiate many of our clients' debts for substantially less than the balance owed. Most large banks have systems in place designed to help them collect something on accounts that go bad. These systems take into account various factors when deciding whether to settle your debt and for how much, but nearly all creditors will take money off the principal balance to settle your debt.
A common problem that people face, when trying to get out of debt using a traditional debt negotiation service, occurs when settlement offers are made and consumers don't have the funds to accept the offers. Many times the creditors have limited time frames before moving into the legal phase. Sometimes when a lawsuit is filed, due to an inability to pay the only option may be Bankruptcy. Therefore, it is vital that you save as much as possible each month, because we will not “hold your payments." You will save your own money every month and when a debt is negotiated, you will pay the creditor directly. Our experienced attorneys will be with you every step of the way.
We believe the best candidate for a debt negotiation program is someone who is on a fixed income, someone who is self-employed, or someone who is an independent contractor. Normally, these wages cannot be garnished, making the prospect of a lawsuit substantially less and/or the collection of a judgment virtually impossible. “We call this judgment proof”. Another great candidate is someone who has access to funds in an emergency. For example, this could be from a relative, a refinancing, or retirement money.
Debt settlement is good for some people, but we can’t predict or guarantee how much money we can save a client. There are many factors that go into determining the actual amount negotiated, but most of our clients are pleasantly surprised at the outcome of their case. Debt negotiation is a good alternative for people who are in dire circumstances and have a large amount of debt.
At Phillips and Associates, our experienced debt negotiation attorneys are available to help answer your questions at no charge. We offer a free debt evaluation. To help you determine if you qualify for our new debt reduction program, fill out this contact form and we will contact you within one hour (during operating hours) at no charge.
Are you drowning it debt? Phillips & Associates provides unmatched bankruptcy services throughout Arizona.
Our Arizona bankruptcy attorneys file more bankruptcy's every month than any other firm in Arizona.
Night and Weekend apppointments available at many of our Arizona Bankruptcy law office locations: Phoenix, Scottsdale, Mesa, Arrowhead, Peoria and Tucson.
Submit your request for a FREE evaluation by phone, no office visit required.
