Hawaii Debt Settlement Attorneys
Get Relief From the Stress & Strain of Debt Today
At the Law Offices of Blake Goodman PC, we care deeply about the clients
we serve, which is why we proudly offer comprehensive debt settlement
services to help individuals avoid bankruptcy and become debt-free!
Chapter 7 and
Chapter 13 bankruptcy are not the only options for our clients. When you turn to our firm for
our debt negotiation and settlement services, our staff will take the
time to review all your options so you can make the best decision for
yourself and your family.
Give us a call today at
(808) 518-4844 to talk to a debt settlement lawyer about your situation.
Request a free consultation today.
Consumer Credit Counseling vs Debt Settlement Plans
The debt negotiation services we provide at the Law Offices of Blake Goodman
PC is not the same as Consumer Credit Counseling. With Credit Counseling,
you pay all your creditors back in full with an adjusted interest rate
over 5 to 7 years. We perform true Debt Settlement Plans, eliminating
40 to 60% of the amount you owe.
Many of our clients come to us after spending up to two years with a consumer
credit counseling program. Usually, they find that they are no closer
to being debt-free than when they started. Their accounts are marked as
seriously delinquent, and not all of the creditors agree to the management
plan. In fact, some of them file lawsuits to collect what they are owed.
In many cases, consumer credit counseling programs generally increase
your monthly payments until there is virtually no benefit from the program.
Our Debt Negotiation Program reduces your unsecured debt burden through
direct negotiation with your creditors. With our program, your creditors
are contacted about your financial set-backs and offered a settlement
deal in order to satisfy the balance of your debts. If you qualify for
the program, you can obtain significant settlements in interest and principal.
You won't need to
file bankruptcy and you’ll still eliminate a vast portion of your debts in 30 months or less.
Benefits of Debt Settlement
- While you’re working to pay your debts, collection agencies and their
attorneys are forced to deal with your lawyer instead of you.
- After a financial analysis of your situation, one monthly payment will
be arranged for you in order to pay off your creditors
- Most credit card debt accounts settle in a range of 30 to 50%
Don’t Hesitate, Take Control of Your Credit Card Debt Today!
If you don’t do something with your credit cards, the repayment burden
can outlast even you. If you take any credit card balance and just pay
the minimum payment (usually 2%) and use an 18% interest rate, the repayment
would last 24 years. That is correct, and that is without the penalties
and extra interest charges assessed when you’re late.
More than 80% of the national workforce is dependent on two incomes due
in large part to personal debt. However, creditors typically agree to
debt settlement arrangements where they feel a settlement of the debt
will be in their best interest. In most cases, they come to this conclusion
because the person requesting the debt negotiation appears to be a legitimate
candidate for bankruptcy. Knowing that in most bankruptcy cases they would
receive nothing, they opt to take a discounted settlement on the debt
rather than receive zero dollars in bankruptcy.
Call today or fill out our online questionnaire to set up a confidential
analysis of your situation. We are ready to determine whether this powerful
debt management tool could produce real financial and emotional benefits for you.