Debt Negotiation

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Credit Card Debt

If you’re overwhelmed by credit card debt, you’re not alone. According to the Federal Reserve, American consumers are currently carrying more than $800 billion in credit card debt. And, about 4.5 million of those credit card accounts are delinquent. Fortunately, help is available.

Relief from Credit Card Debt

Financial stress can leave you feeling like there’s no way out. Balances keep growing, harassing telephone calls interrupt your dinner and stress may be affecting your marriage and keeping you awake at night. Creditors and debt collectors want you to believe there’s no hope, that there’s no way forward except giving way to their impossible demands. Fortunately, that’s just not true.

How does it work?

  We begin with a free consultation. No travel is required. This free consultation can be done right over the phone. One of our debt counselors will discuss your financial situation with you. We will determine a monthly payment that is significantly lower than your current payment for your unsecured debt. This new payment is then drafted monthly into the law firm's escrow account on your behalf. This money will be held until a settlement is reached with your creditors.

When you come aboard for our debt negotiation services, a cease and desist letter is sent to all of your creditors, letting them know that all future contact must be directed to our law firm. That means NO more harassing phone calls!!!

Wow, wouldn't it be nice to answer the phone again knowing there isn't a creditor on the other end of the phone.

A better approach to debt relief

 It seems like these days, many law firms and other agencies who deal with debt are just in it for a quick buck. They don't want to hear your concerns - they just want your filing fees and any other money they can get from you, and then they want to be done.

Fear no more - when you contact Willis & Associates, you gain the full support and knowledge base of our friendly debt experts.

What debt negotiation is not

 This is not a loan. We use your money to pay your creditors.

This is not Consumer Credit Counseling. Consumer Credit Counseling only reduces the interest rate which typically doesn't even reduce your monthly payment. Over 85% of the people who join Consumer Credit Counseling will fail.

A habit of success


When you choose  Willis & Associates, to negotiate your debt, our attorneys will actually negotiate the principal itself. This always creates a lower monthly payment and depending on your point of view, a negative interest rate.

 Willis & Associates, has been achieving this success rate for over a decade. Typically the only way clients fail is due to losing a job, divorce, or some other unforeseen circumstance. As long as they can make the monthly payment, setting their debt for far less than they owe is not a problem.

Why Willis & Associates?

  We are a full service debt relief law firm. Notice the words "law firm". There are many "fly-by-night" companies and many of which are not law firms. We have an impeccable rating with the Better Business Bureau (BBB). Most companies do not belong or have very low ratings.

We start communicating and negotiating with your creditors immediately after receiving your initial payment and paperwork. Most companies won't even talk to your creditors until you have enough money saved to both settle the debt and pay their fees.

The creditors have attorneys working for them. Isn't it time that you had attorneys working for you too?

Just think about it. It is almost like getting a top rated law firm for FREE. As an example, you owed $20,000 and we got you out of debt for $14,121.00 with fees included. Not only did you save money, but you hired an attorney to handle everything in the process. And the savings doesn't stop there. If you actually paid back this debt over time, it could cost you 20 years and $98,640.

For more information on debt negotiation services, please call us today at 855-733-9455 or  online any time and see how the caring and compassionate attorneys at  Willis & Associates,  can help guide you through this rough patch.