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Debt & Credit Disputes - "My Smart Debt" Program

Are you overwhelmed with collection calls and letters? Want to be left alone? The "My Smart Debt" program may be right for you.

WHAT IS THE MY SMART DEBT PROGRAM? My Smart Debt is our innovative letter writing service where you have our attorneys "on retainer" to respond to your debtors and creditors regarding debts you dispute, debts you need validated and debts you don't want to be contacted about. This powerful tool fights harassing bill collectors and improper credit billing charges and is designed to cease contacts from third party debt collectors and to cure inaccurate credit billing charges. My Smart Debt gives you the peace of mind to know an attorney is standing up for you, always.

HOW DOES IT WORK? This program utilizes federal laws to cease improper credit billing and debt collection efforts. Regarding debt collectors, you simply advise us who they are, and when they contact you, and we send them certified letters explaining we represent you and to not contact you again, ever! Regarding credit billers, simply tell us in a timely manner which open ended and closed ended loans or credit charges you timely dispute, and we send letters to your creditors demanding all substantiating paperwork and deletion of inaccurate charges.

WHO QUALIFIES FOR MY SMART DEBT? My Smart Debt is suitable for consumers of all walks of life. Examples of clients using this service include:

• consumers on social security, disability, unemployment or other forms of government assistance or other fixed income;
• consumers who don't want to or cannot settle their debts, and just want debt collection letters and calls to stop;
• consumers who don't want to or cannot settle their debts, but who also want to prolong or avoid bankruptcy;
• consumers being bothered about "zombie debts" or debts they otherwise don't understand or dispute;
• consumers too busy, or even just too intimidated, to fight credit billers on their own.

In fact, the only people whom My Smart Debt cannot help are consumers whose only debt and credit problems are with government-backed loans, IRS debts, tax liens, and mortgages – everyone else qualifies!

WHAT IF THEY DON'T LISTEN? If a third party bill collector contacts you after receiving notice of our representation, said collector is liable to you for up to $1,000.00 in "statutory" damages (albeit usually less) even in the absence of any actual harm to you, and further makes the collector pay your attorney fees and court costs should you prevail, meaning we sue collectors who violate your rights at no out of pocket cost to you! Likewise, if your Fair Credit Billing Act rights are violated, you may be awarded damages, plus twice the amount of any finance charge - as long as it's between $100 and $1,000, and the credit biller must pay your attorney fees and court costs should you prevail, meaning there is no additional charge for our court representation under the FCBA.

GET STARTED! We want to help you through this stressful situation with a debt help program designed to your specific needs. To get started, contact us today!