Credit card companies and other lending institutions have come up with some very creative ways to generate extra income through late fees, over the limit fees, meaningless services, and sky-high interest rates. Added together, these tactics can mean that you, the average consumer, might pay your creditor many times the original balance in a few short years. This is why many people find themselves buried in debt. If this sounds like your situation, please contact The Law Offices of Ryan D. Gesten, P.A. to schedule a free consultation.

Don’t leave your financial future in the hands of a debt negotiation service, only to be disappointed with the results and still saddled by unmanageable debt.

When it comes to a debt relief strategy to avoid bankruptcy, there’s no place better to turn to than an experienced and reputable attorney. Attorneys are the most qualified debt resolution experts. They can achieve the safest debt reduction scenarios for their clients. Obtaining  representation from a licensed attorney can help you: pay off debts for less than your creditors are seeking; consolidate credit card debt into one monthly payment; clear up debts in 60 months or less; avoid filing bankruptcy; regain financial control.

A licensed and experienced debt settlement attorney will represent you and deal directly with your creditors. Under State and Federal Law, debt collectors are required to contact your attorney, not you.

Dealing effectively with banks, their lawyers and their collectors requires the understanding and implementation of consumer law. Attorneys have the most leverage when negotiating settlements with your creditors. Some debt collection companies will only work with attorneys.

Attorneys are licensed by the state bar association and strictly adhere to a code of professional conduct and high ethical standards. We will provide you with a retainer agreement in writing which protects your rights and clearly spells out your agreement with the attorney.  Only licensed attorneys can provide legal advice.