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            Alternatives To Bankruptcy

            Although the bad effects of Bankruptcy are often oversold or exaggerated in the popular media, and Bankruptcy, either a Chapter 7 Bankruptcy, Chapter 11 or Chapter 13 Bankruptcy, can remedy many problems for those confronted with overwhelming Debts, Bankruptcy is not always the best solution. At Jay Weller Legal Group we have many alternatives to Bankruptcy that assist our Clients who are confronted with Debts.

            In Florida, we have many distressed 湖南福彩网app官方下载owners. For many of these 湖南福彩网app官方下载owners, they have few outstanding Debts other than their Mortgage. Many have tried to negotiate with the Lender to attempt Loan Modifications other relief. For a 湖南福彩网app官方下载owner facing Foreclosure, Jay Weller Legal Group is one of the pioneers in the area of Foreclosure Defense.

            When a 湖南福彩网app官方下载owner receives Service of Foreclosure papers, he must act fast because he may receive a Default in as little as 20 days. A Default essentially waives any Defenses or Counterclaims the 湖南福彩网app官方下载owner may have against the Lender, as well as allows the Lender to more rapidly Foreclose and take the house from the Borrower. Foreclosure Defense entails, as the name implies, Defending the Foreclosure on behalf of the Borrower or 湖南福彩网app官方下载owner.

            A Foreclosure that is not defended may be taken from the Borrower of 湖南福彩网app官方下载owner in as little as two or three months. Foreclosure Defense permits the 湖南福彩网app官方下载owner not only to raise whatever Claims or Defenses he may have, some of which may have given rise to the Foreclosure in the first place. Second, Foreclosure Defense allows our office, with your participation, to attempt to secure a beneficial Mortgage Modification, that allows you to retain your 湖南福彩网app官方下载 permanently, if you so choose.

            Depending upon whether your Mortgage is a Government Backed or Private Loan, our office has been successful in helping our Clients receive Loan Modifications. There are many types of Mortgages. Some Mortgages allow us to arrange Principal Reductions, and others not. Many Mortgages are eligible for lower monthly payments, reduced interest, and forgiveness. It is best to come to our office for a free consultation with Mr. Weller.

            Jay Weller Legal Group also helps many of our Clients through Settlements. There are numerous companies that advertise Settlements in which the Customer makes monthly payments and when enough money is accrued, the Settlement 湖南福彩网app官方下载 promises to disburse such monies by paying a one- time payment to that Creditor. Such payment is less than the Creditor is owed. However, the Creditor agrees to accept less than full payment, in Full Satisfaction of the Debt.

            The companies that offer Debt Settlement 湖南福彩网app官方下载 through this method are often-times fraudulent. For the companies that are not fraudulent, the method that they use to Settle Debts is flawed. Because such companies demand such a low monthly payment, relative to the Debt, by the time the customer makes enough payments to have sufficient money for Settlement, the Debt is so seriously delinquent that it often already has gone to an Attorney for prosecution of a lawsuit.

            The proper way to Settle an outstanding Unsecured Debt, such as a credit card is to make a lump-sum payment of anywhere from thirty to sixty percent of the balance, at approximately six months delinquent. If the Borrower is unable to Settle his Unsecured Debt in this fashion, it is best to look to other alternatives. Stay away from the “Debt Settlement Companies”.

            Julian Consumer Counseling Service, a sister company of Jay Weller Legal Group, has been providing Credit Counseling services since 1997. Credit Counseling is program in which a Credit Counseling 湖南福彩网app官方下载 with 501(c)(3) Status, may consolidate all your Credit Cards and some other Unsecured Debts, into a lowered monthly payment with a reduced interest rate. Through Credit Counseling, Julian Consumer Counseling may also re-age your account. To re-age an account means that after the Borrower makes three to six payments, the Lender will reflect that Account current on his credit and credit report.

            Credit Counseling is still a good program for many of our Clients. However, the Concessions made by Creditors are not as beneficial as when Julian Consumer first started in 1997. If you make an appointment with our office, we can calculate your monthly payment and interest rate, based upon the particular Creditors you may have.

            Credit Repair is a program that is beneficial either after the consummation of a Bankruptcy as a device to re-establish Credit or secondly, as a means to improve the Credit of a Non Bankruptcy Debtor. Depending upon the age of the Debt, and other considerations, bad remarks may be removed from one’s Credit. Duplicate Remarks or Multiple Inquiries may also be diminished or eliminated. Good remarks may be added to one’s credit report. Mr. Weller would be happy to discuss with you the many ways we can together, improve your Credit and Credit Report.

            Creditor sometimes, in their zeal to collect a Debt, will commit Acts that violate Federal or State Debt Collection Statutes. Jay Weller Legal Group will prosecute Creditors who continuously Harass our Clients. The Fair Debt Collection Practices Act (FDCPA) and its Florida equivalent, prohibit certain behaviors by Creditors or Debt Collectors. A Debt Collector may not call or contact a Borrower before a certain hour in the morning or after a certain hour at night. The Collector may not using profane language, make unenforceable Threats such as promising Arrest or Imprisonment, contact family, friends or neighbors, contact you at work if your employer does not invite such phone calls, and a number of other prohibitions. The Damages can be quite substantial, depending upon the egregiousness of the conduct of the Debt Collector.

            If you are interested in any of these alternatives to Bankruptcy or have any questions please contact Jay Weller Legal Group today at 1-800-407- 3328 (DEBT) for a free consultation with Mr. Weller.