Preguntas Frequentes

WHAT TYPES OF DEBTS ARE COVERED BY THE FDCPA LAW TO NEGOTIATE?


It can be negotiated and is covered by the FDCPA personal debts, credit cards, department store cards, auto repossessions, medical expenses, mortgage lines of credit, student loans without state or federal guarantee, commercial loans and personal loans.




HOW DO I GET A COLLECTOR STOP CONTACTING ME?


Inform them in writing with a Cease and Desist letter. In our program you will receive this service included with your program.




CAN THE COLLECTORS CALL ME AT ANY TIME?


No, a collector cannot establish contact at inconvenient times or places unless you authorize it. They cannot call you before 8 AM or after 9 PM. They cannot call you at work if they are notified verbally or in writing that you are not authorized to receive calls to your job.




CAN I REHABILITATE MY CREDIT IN A DEBT SETTLEMENT PROGRAM?


Your credit can be rehabilitated through the debt settlement process. With each account settled and paid the balance changes to ZERO (0) and thus the rehabilitation will begin.




WILL PERSONAL LOAN CREDITORS BE ABLE TO RUN MY HOUSING?


No, your unsecured debt creditors cannot run your Homestead Exemption-protected primary home in states that guarantee it, such as Florida.




IS IT TRUE THAT THE DEBTS I HAVE NOT PAYED DISAPPEAR IN 7 YEARS?


Is not correct. The debts that are yours will appear under the original creditor and are then sold to collectors who reactivate the collection process and adverse credit reports for an additional 7 years.




CAN A COLLECTOR TALK TO ANYONE ABOUT MY DEBT?


NO. They can only speak to you, your spouse, attorney, or authorized representative. In our program you will receive our mediation service so you will not deal with collectors.




CAN MY WITHDRAWAL, SOCIAL SECURITY OR FEDERAL BENEFITS BE EMBARGOED?


No, your social security, your Income Security (SSI), Veterans Benefits, Disability, annuities, among others cannot be seized. Ask us about it!




COULD I BECOME A HOMEOWNER AT THE END OF LIQUIDATING MY DEBTS?


Definitely, being responsible for your debts and complying with a negotiated repayment plan that includes a balance reduction will allow you to not only rescue your financial credibility but also demonstrate the ability to become the owner of a main home.




WHAT PRACTICES ARE FORBIDDEN FOR COLLECTORS?


They cannot harass you, mistreat you, abuse you or any other person designated by you. They cannot threaten you with violence or harm, use obscene or profane language, use false statements posing as lawyers, insinuate that you have committed a crime, misrepresent the amount of your debt or indicate that the papers they send you are legal in nature.




CAN I BE SUED OR CAN I SEIZE ACCOUNTS AND SALARY?


Yes, you can be sued by a collector to recover that balance. Yes, you can receive a garnishment of your salary or a bank account. It is important to hire services like ours to guide you in your options and try to avoid being sued or garnished some asset or salary.




IS BANKRUPTCY AN OPTION?


Personal bankruptcy is considered an extreme and last resort solution. You shouldn't consider it your first choice if you can establish a discounted repayment agreement and help rehabilitate your credit in a shorter time.




WHAT DOES DEBT CONSOLIDATION CONSIST OF AND DOES CREDIT AFFECT ME?


The cost of consolidation can be very high since you would end up paying the same amount owed only with a small reduction in interest. The credit is affected while it is in a consolidation program for 5 to 7 years.




CAN MEDICAL DEBTS BE NEGOTIATED?


Yes, your medical, hospital and health debts can be negotiated and substantial reductions are achieved with them. In some cases, you can even get a full pardon depending on your specific case and your personal financial situation. (Every case is different and the results are not the same).





Frequently Asked Questions

WHAT TYPES OF DEBTS ARE COVERED BY THE FDCPA LAW TO NEGOTIATE?


It can be negotiated and is covered by the FDCPA personal debts, credit cards, department store cards, auto repossessions, medical expenses, mortgage lines of credit, student loans without state or federal guarantee, commercial loans and personal loans.




HOW DO I GET A COLLECTOR STOP CONTACTING ME?


Inform them in writing with a Cease and Desist letter. In our program you will receive this service included with your program.




CAN THE COLLECTORS CALL ME AT ANY TIME?


No, a collector cannot establish contact at inconvenient times or places unless you authorize it. They cannot call you before 8 AM or after 9 PM. They cannot call you at work if they are notified verbally or in writing that you are not authorized to receive calls to your job.




CAN I REHABILITATE MY CREDIT IN A DEBT SETTLEMENT PROGRAM?


Your credit can be rehabilitated through the debt settlement process. With each account settled and paid the balance changes to ZERO (0) and thus the rehabilitation will begin.




WILL PERSONAL LOAN CREDITORS BE ABLE TO RUN MY HOUSING?


No, your unsecured debt creditors cannot run your Homestead Exemption-protected primary home in states that guarantee it, such as Florida.




IS IT TRUE THAT THE DEBTS I HAVE NOT PAYED DISAPPEAR IN 7 YEARS?


Is not correct. The debts that are yours will appear under the original creditor and are then sold to collectors who reactivate the collection process and adverse credit reports for an additional 7 years.




CAN A COLLECTOR TALK TO ANYONE ABOUT MY DEBT?


NO. They can only speak to you, your spouse, attorney, or authorized representative. In our program you will receive our mediation service so you will not deal with collectors.




CAN MY WITHDRAWAL, SOCIAL SECURITY OR FEDERAL BENEFITS BE EMBARGOED?


No, your social security, your Income Security (SSI), Veterans Benefits, Disability, annuities, among others cannot be seized. Ask us about it!




COULD I BECOME A HOMEOWNER AT THE END OF LIQUIDATING MY DEBTS?


Definitely, being responsible for your debts and complying with a negotiated repayment plan that includes a balance reduction will allow you to not only rescue your financial credibility but also demonstrate the ability to become the owner of a main home.




WHAT PRACTICES ARE FORBIDDEN FOR COLLECTORS?


They cannot harass you, mistreat you, abuse you or any other person designated by you. They cannot threaten you with violence or harm, use obscene or profane language, use false statements posing as lawyers, insinuate that you have committed a crime, misrepresent the amount of your debt or indicate that the papers they send you are legal in nature.




CAN I BE SUED OR CAN I SEIZE ACCOUNTS AND SALARY?


Yes, you can be sued by a collector to recover that balance. Yes, you can receive a garnishment of your salary or a bank account. It is important to hire services like ours to guide you in your options and try to avoid being sued or garnished some asset or salary.




IS BANKRUPTCY AN OPTION?


Personal bankruptcy is considered an extreme and last resort solution. You shouldn't consider it your first choice if you can establish a discounted repayment agreement and help rehabilitate your credit in a shorter time.




WHAT DOES DEBT CONSOLIDATION CONSIST OF AND DOES CREDIT AFFECT ME?


The cost of consolidation can be very high since you would end up paying the same amount owed only with a small reduction in interest. The credit is affected while it is in a consolidation program for 5 to 7 years.




CAN MEDICAL DEBTS BE NEGOTIATED?


Yes, your medical, hospital and health debts can be negotiated and substantial reductions are achieved with them. In some cases, you can even get a full pardon depending on your specific case and your personal financial situation. (Every case is different and the results are not the same).





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