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Did You Know?

Debt Settlement is the practice of allowing a consumer to pay a portion of a debt, with (FSA) less than 50%. The creditor reports the debt as settled with a zero balance.

Lifetime of Debt

It could take you over 26 years and at least $31,000 in interest payments to pay off a $10,000 debt on a card with a 19% rate, if you only pay the monthly minimum.

American Household Debt

Did you know most American families have an average of $13,000 in credit card debt?

A Legal Alternative

Debt Settlement is a legal communication between debtor and the creditors/collection agency to negotiate an outstanding debt. Debt Settlement is NOT a credit counseling service or a consolidation loan, it is a process of eliminating your outstanding debts. Any person owing credit card debt, medical bill(s) or any unsecured debt has the legal right to negotiate their debts.

Disadvantages of Debt Consolidation

Debt Burden remains the same: That's Right! Your debt is still exact same amount, which means you have basically traded a lot of little headaches for one big migrane!

Fair Debt Collection Practices Act

Stopping Collector Harassment begins with learning about your rights under the Fair Debt Collection Practices Act (FDCPA). This federal law was enacted to protect us from collector abuse...but it only works if we know how to use it properly!

Over $1 Billion Settled in 2009

In 2009, more than $1 Billion in debt was settled by Debt Settlement Companies. Consumers paid approximately $400 million to creditors to resolve that debt owed, saving approximately $600 million, thus showing the efficacy of debt settlement.

Homestead Protection

For heads of household in Florida, your home is completely protected from having any liens put on it by the creditor under the Florida Homestead Protection Articles.

Garnishment Laws

Florida laws protect you from having your wages garnished or your bank account seized if you owe a debt.

If you're subject to a wage garnishment, what are your rights?

Your wages may be garnished if you owe child support, student loans, or back taxes, or a court judgment has been entered against you. A wage garnishment is when a court issues an order requiring your employer to withhold a certain amount of your paycheck and send it directly to the person or institution to whom you owe money, until your debt is paid off. Different garnishment rules apply to different types of debt -- and there are legal limits on how much of your paycheck can be garnished.

Most Creditors Need a Court Order to Garnish Your Wages

Unless you owe child support, back taxes, or student loans, your creditors -- those to whom you owe money -- cannot garnish your wages unless they first get a court order. For example, if you have defaulted on a loan, stopped paying your credit card bill, or have run up huge medical bills, your creditors can't just start garnishing your wages. They must first sue you, win, and get a court order requiring you to pay what you owe. Federal law places limits on how much judgment creditors can take from your paycheck. The amount that can be garnished is limited to 25% of your disposable earnings (what's left after mandatory deductions) or the amount by which your weekly wages exceed 30 times the minimum wage, whichever is lower. Some states set a lower percentage limit for how much of your wages can be garnished.

United States Organizations for Bankruptcy Alternatives - A Debt Negotiation Association BBB International Association of Professional Debt Arbitrators