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Debt Negotiation

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 By the first quarter of 2019, consumer credit card debt in the US had reached $1.06 trillion.¹ This means if you are struggling with credit card debt, you’re not alone. People all over the US are in search of credit debt relief, especially as credit debt continues to rise. In the last 5 years alone, consumer credit card debt has risen 20.69%. Furthermore, 15% of households report spending more than they earn each month and 43% of these households rely on borrowing or credit cards to fill the shortfall in their incomes. This means that thousands of families in the US are facing not only rising debt, but also the rising fees that come with not being able to pay off that debt each and every month.²

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 help@westernpabankruptcy.com  online any time and see how the caring and compassionate attorneys at  Willis & Associates,  can help guide you through this rough patch.