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3 Reasons to Hire a Debt Settlement Attorney

approved debt settlementIf you are behind on some of your payments or have debt you cannot pay off, you are not alone. Millions of Americans struggle with debt each day, yet don’t realize there are resources they can use to help alleviate their stress and their debt. Debt settlement attorneys work for you by negotiating with creditors to help settle outstanding debt. Here are some reasons you should look for a debt settlement attorney who is right for you.

You are considering filing bankruptcy

There comes a point when your debt has grown so large, you no longer have any wiggle room to work with. Before actually hiring a bankruptcy attorney, it is a good idea to speak with a debt settlement attorney. They may be able to provide better options than other agencies who say they can lower your debt.


You can’t negotiate with your creditors

Occasionally, speaking with your creditors yourself can help ease your interest rates. However, if you are attempting this on your own and getting nowhere, it may be time for you to hire a professional. Creditors are more likely to work out a deal to lower your interest rates if they know you’re backed by an experienced attorney.

Creditors are harassing you

If creditors are calling you at inconvenient times, using abusive language, threatening you, or making false statements, contact an attorney immediately. The Fair Debt Collection Practices Act enforced by the Federal Trade Commission makes this kind of debt collecting illegal. Just because you are struggling to pay back a debt does not give creditors the permission to harass you.

If any of these situations apply to you, it may be a good idea to contact a debt settlement attorney, and the experts at the BCN Law Firm in The Villages can help. We have experience successfully negotiating with banks, mortgage companies, and credit card companies for families on the verge of bankruptcy. Let us help you figure out the best plan and get a handle on the money you owe to your creditors by contacting us for a free consultation.