If you are struggling with debt or living paycheck to paycheck, you are not alone and we can help.
Sixty-one (61) percent of Americans are living paycheck to paycheck and are struggling to pay your debts, you are not alone. Credit card debt is piling up and becoming unmanageable for many Americans. More than 30% of credit card holders who have an account in collections are at risk of being sued. We have helped thousands of people deal with the stress caused by debt and to get them a fresh financial start.
Our Debt Relief and Defense program provides several services to help you (1) reduce your debt, (2) deal with the stress caused by the debt and debt collectors, and (3) prepare you for a brighter financial future. Our program works. It can eliminate debts in as little as three years and it ensures that you will have access to an attorney, at no additional cost, during the entire journey.
All clients have an attorney assigned to them and access to our legal team as we provide the following services as needed or requested:
Attorney Consultation – At your request, we will schedule at a time for you to speak with one of our attorneys to review your financial situation and explore potential options such as debt settlement, bankruptcy and credit counseling. We can also discuss your right to have debt collectors validate any debt you think they might not have the right to collect or where they may be attempting to collect an improperly inflated amount of money. All clients will be provided with free information about the potential ways to reduce or eliminate debt.
Stop Creditor Harassment – It is a violation of federal law for debt collectors to call you once they have noticed that you are represented by an attorney. Once this Agreement is effective, you can tell any debt collector that you are represented by the firm and provide the firm’s phone number. At your request, we will send written notice to any debt collector that you are represented by a Firm.
Lawsuit Defense – If you are sued by a Creditor as a result of a debt we are attempting to settle we will, at your request, defend you without charging you for attorneys fees. Defense is only provided at the trial court level and does not include appeals or any post-judgment actions. If you are sued as a result of unsecured debt that we are not attempting to settle in pre-litigation negotiations, the Firm will represent you for an hourly rate of just $175 for attorneys and $125 for staff.
Debt Negotiation/Settlement – To help you resolve debts that you believe that you cannot now or soon will not be able to afford to pay or that you dispute the amount you owe, and to reduce the likelihood of adverse legal actions by your creditors, Firm can attempt to negotiate with your creditors in an effort for them to accept less money than they claim that you owe. This can get you out of debt many years faster and save you tens of thousands of dollars compared to continuing to make minimum payments.
FDCPA – We will educate you about your rights under the Fair Debt Collection Practices Act (“FDCPA”) and assist you with identifying possible creditor violations. The FDCPA protects you from abusive and unethical tactics that are often employed by debt collectors. If you and the attorney assigned to you believe a violation of the FDCPA has occurred, we will represent you in a pre-litigation effort to stop the violation and get you compensation at no advance charge to you. You would only pay us if we recover money for you. If litigation is required to resolve the claim, a separate agreement will be needed.
FCRA – We will educate you about your rights under the Fair Credit Reporting Act (“FCRA”) and assist you with identifying possible creditor violations. The FCRA protects your right to have accurate and timely information appear on your credit reports. If you and the attorney assigned to you believe a violation of the FDCPA has occurred, we will represent you in a pre-litigation effort to stop the violation and get you compensation at no advance charge to you. You would only pay us if we recover money for you. If litigation is required to resolve the claim, a separate agreement will be needed.
Education / Financial Literacy – We will provide you with written resources to help you better manage your finances and information about ways to eliminate debt through bankruptcy, debt settlement, and credit counseling. At your request, the Firm will provide up to two hours of consultation regarding how to handle any litigation or threats of litigation pertaining to Your debts.
The stress caused by financial problems is real and dangerous. It can impact your mental and physical health. You have rights and there are ways to reduce the cause of this stress. Please let us help you. Call us for a free consultation.
The price of the program varies. In many cases, you can receive these benefits with no advance fee if you have a viable FDCPA or FCRA claim or if you opt to have us negotiate your debts.
There are important terms and limitations to some of the offerings described on this page. Prices may change after publication. We want you to be happy with any service we provide you, so please read your contract and disclosures carefully and ask any questions prior to signing. Fees are not set by law and can be negotiated. Any past performance mentioned does not guarantee future results.
This site contains attorney advertising. It is not legal advice prepared for your unique situation. Statistics about clients, success rates and the number of years with an A+ rating with the Better Business Bureau include data while doing business exclusively as The Law firm of Higbee & Associates. Testimonials or reports of past results do not constitute a guarantee, warrant, or prediction regarding the outcome of your legal matter. Results portrayed are dependent on the fact of that case and the results may differ if based on different facts. Photos on the website, other than on the About page, are not of actual clients or attorneys. The firm’s lead attorney in the state is responsible for the advertising in that state. The lead attorney for each state can be found on the About page. The law firm only accepts clients or handles matters in states where it is licensed. Calls may be recorded for training and quality control purposes.