What kind of debt can you help me with?
Unsecured debt would include credit card balances, medical bills,
unsecured bank loans, old utility bills, and
repossessions. We cannot help with any secured
debts such as car or home payments, government-backed
student loans, IRS debt, or child support.
How will this program benefit me?
Two words: disposable income. You cannot reach your financial
goals if there is nothing left at the end of the month
to save or invest. Wouldn’t it be nice to get off the
merry-go-round of minimum payments to your creditors and
put that money to work for YOU? Whether your want to
save for retirement or build a college fund for your
kids or grandkids, you need disposable income to make
things happen.
Why not go with a non-profit program?
Non profit agencies do offer services to people in financial
distress. Often, they can reduce some of your interest
rates. However, none of their programs will lower your
principle. Debt Settlement not only eliminates
interest, it reduces your overall unsecured debt by
40-60%, including all fees. There is no comparison.
Do you charge interest?
No. The amount you pay is based upon the current debt when you
enter the program. Your monthly payment is determined
by dividing the settlement amount and legal fees by the
total number of months until payoff. There is no
interest.
What are the fees?
You will enjoy all the benefits of working with a reputable law
firm without the exorbitant costs. The legal fees are
already included in the program. You will pay off all
your current debt for 40-60% of what you owe, including
all legal fees. You will never get a separate bill in
the mail from your attorneys.
What will my monthly payment be?
Your payment amount depends on the total amount of your debt. We
also take your budget into consideration. We can almost
always offer you a monthly payment that is lower than
the combined total of all those minimum payments your
creditors demand. In other words, our program costs
less than staying in debt on your own.
Who will be my lawyer?
Unlike most debt relief companies, Progress Financial Group works
with more than one law firm in order to match clients
with the attorney best suited to their needs. We will
take a good look at your financial picture and determine
who will provide you the right legal assistance. They
say you should always check your attorney’s rating with
the Better Business Bureau. We do. We only use law
firms with an A+ rating.
How will the program affect my credit?
Your overall credit-worthiness is important. It’s more than a
number. Lenders must decide if you are a good risk.
One of the key factors is something called your
“debt-to-income ratio.” How much money comes into your
household each month and how much is tied up by
payments? If you’re spending everything you earn to
keep up with bills, there is nothing left. Lenders see
that you cannot afford more debt. You’re already forced
to pay off too many unsecured debts. Ironically, your
“good credit” got you into “bad debt.” The most
important thing you can do now is GET OUT OF DEBT.
Any debt management program will affect your credit score in the
beginning. However, once your debt settlement lawyers
begin to pay off your accounts and you obtain zero
balances, you will gradually strengthen your
debt-to-income ratio. In other words, your total
unsecured debt shrinks all the way to ZERO at the end of
the program. All your income works for you now. Many
successful debt settlement clients also complete a
credit restoration program. Either way, potential
lenders will find your credit standing improved. If you
are considering a debt settlement program, don’t let
concern over your ruining your credit hold you back.
Too many people have allowed their good credit to ruin
them.
Can I achieve these settlements on my own?
Technically, yes, it is possible. It is also possible to perform
brain surgery on yourself. We don’t advise either. Who
is a creditor likely to take more seriously … a
struggling customer or a highly-regarded consumer
advocate attorney? A professional negotiator knows what
to say, what not to say, what to ask for, and the
standard acceptance offers of most individual
creditors. Most people wouldn’t even know how to fill
out the complicated financial forms. Remember the old
saying: A lawyer who represents himself has a fool
for a client. When you let an attorney handle your
settlement, you can feel safe knowing that a
professional negotiator will deal with every annoying
call, every letter, and every pushy creditor. You never
have to talk to anyone. Did you know that fraud is a
common complaint in the collection industry? Collectors
who work on commission will go to any length to get you
to make a payment. They have been known to trick
unsuspecting credit card customers into sending money,
claiming it will be used as a settlement to eliminate
the debt. In reality, the creditors cash the check as
an overdue payment and send the customer a bill for the
remaining balance, plus sky-high interest. Don’t go it
alone! Put your trust in a qualified attorney who
specializes in settling debt on behalf of consumers like
you. Call it a no-brainer
Can you help people in any state?
Yes. We help people anywhere in the United States.
How
do I get started?
Call us now
for a free consultation at 800-322-6088. You
will speak to a knowledgeable,
friendly, and efficient counselor who will put you on
the path to being debt free!
Are you available nights
or weekends?
Yes! In addition to regular business hours, we are
available on weekday evenings and Saturday afternoons.
If you don't reach a live person, please know we check
voice mail frequently so PLEASE leave us a message so we
may call you back!
Toll
Free 800-322-6088
