Unsecured Debt Negotiation

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Unsecured Debt Negotiation

Unsecured debt is a major problem for many Americans. In fact, American consumers owe more than $3.9 billion, and nearly half of all households carry at least some unsecured debts, such as credit card debt.

Credit card debts pile up fast and can be hard to pay off. If you’ve been carrying your credit card debt at least two years, you might be paying more than $1,000 every year in fees and interest. Even when you make minimum payments, your debts can still take years to pay off. Late or missed payments can lead to even higher interest charges until you’re dealing with snowballing debt that is simply unmanageable. We can help.

Unsecured debts are debts that are not backed by collateral, like a house or vehicle. Common unsecured debts include:

  • Credit cards
  • Store cards
  • Medical bills
  • Some utility bills
  • Personal loans that do not have collateral
  • Cash advances

If you fail to pay an unsecured debt, creditors can contact you by phone or mail to try to collect on the debt. They can also report the default on your credit report. In some cases, they may even file a lawsuit to try to recoup the debt.

Your Options

Facing insurmountable debts and want to avoid lawsuits, liens and creditor harassment can be overwhelming, but you have options. Bankruptcy has long been used to pay off or eliminate unsecured debts and some kinds of secured debts. However, debt settlement might be another option. With debt settlement, your debts can be negotiated down to more manageable amounts which you can afford to pay without the stigma of bankruptcy. Our team can help you negotiate credit card debt, medical bills, store cards, personal loans and other unsecured debts.

How Debt Settlement Works

Rockwell Legal Group has extensive experience helping people negotiate their debt and move on with their lives. Rockwell’s local partner-attorneys in each state consult with, qualify and approve each client in their state for the program. We then put together a plan for each client as to how each particular creditor is to be dealt with during the course of the law firm’s representation. No two people’s financial situations are alike, so debt settlement solutions can vary quite a bit. Creditor negotiations are performed, monitored and supervised by Rockwell’s employees and partner-attorneys. Once a proposed settlement is negotiated with a creditor it is approved by one of our local partner-attorneys in your state. You will then have the final right to approve or reject any proposed settlement with your creditor.

Choosing Debt Settlement

Are you dealing with overwhelming debt? Are creditors calling you, writing you and contacting you even at work? Rockwell Legal Group has extensive experience working with consumers to manage their debts and negotiate fair settlements. We can explain your legal rights and help you deal with your excessive debt. Contact our office today to schedule a consultation with one of our team members.