Dana S. Fleming, P.C.
Sometimes bankruptcy is not the right option. We do not sell bankruptcies; we provide solutions to financial problems. Each case is unique. We have handled numerous settlements with creditors allowing clients to completely avoid bankruptcy. Again, our goal is to find the right solution for each individual client, and those solutions will differ. Using a bankruptcy lawyer to negotiate your debt can be a powerful tool to help persuade creditors to settle debts for pennies on the dollar.
Creditor Negotiation isn't a bankruptcy service at all; in fact, it is usually done to avoid bankruptcy. This is simply working out a settlement agreement with your creditors. However, this option usually requires a lump sum to be paid to creditors. Also, there are tax implications to this approach which must be evaluated carefully before making any decisions or payments.
Having an experienced lawyer negotiate with your creditors puts you at an advantage over using a credit counseling agency. We have the knowledge and ability to respond with valid legal measures if a creditor won't make any compromises. If you wish to pursue an out-of-court resolution with your creditors, we would be happy to explore this option.
We will also work with other professionals such as your accountant to eliminate or minimize any tax consequences of the settlement. Or, if you do not have an accountant but we realize that you need one, we can provide reliable referrals to these and other types of professionals.
"Creditor negotiation/Debt settlement is not for everyone. I recommend considering tackling debts if you only have a few debts or under $20,000
that you owe creditors. You should consider your means to realistically adhere to a payment plan if one is reached with your creditors, such as
your monthly income, expenses, stability of your job, etc.. We are here to help you navigate your options and will fully explore all options to make
sure that you are comfortable and fully informed before going forward with any decision. We truly care about getting you back on track and
getting you financially stable from this point in your life forward."----Attorney Dana Fleming Allen
Unlike many law firms or "debt settlement companies" that charge you a percentage of the amount that they settle, we charge a flat fee for our services. We DO NOT base our fees on the amount that you owe. We simply take into account the number of creditors that we have to work with to get your debts settled.
Contact us today for the help that you need!!!!
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