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Debt Settlement - Myth vs. Reality
You can cut your credit card debt if you just take the time to call them and ask for it.
The truth is that the credit card company has no reason to negotiate with you. You already owe them money and filing a few simple papers with the courts in Texas can bring those payments to a judgement very fast. Historically credit card companies have no reason to believe you since there has already been a history of non payment on your account. Once Johnson-Bryan begins to negotiate your debt your creditors will already know that you have taken your debt seriously by deciding to hire a licensed attorney to handle your debt management. In short - when you show signs of taking your debt management seriously - the creditor has every reason to take you seriously.
All debt settlement companies and websites are the same.
Thousands of people, including your neighbors in Texas have conned out of their life savings by criminals that prey on good, decent people that turn over their money hoping that these cut-rate con artists can cut their debts. Unfortunately it almost never works out that way. One recent story in the Houston area spotlighted an ex-convict that had served federal time for fraud and continued his scam for years after he returned to the real world. His recent second conviction was negotiated down to simple probation - but only after he stole over $7,000,000 from unsuspecting, honest Texans. This very possibly includes people you may know in Texas . One call to Johnson-Bryan will show you the difference between a professional debt management attorney and an invisible dot com owner. Who would you rather have working for you?
You have the right to settle with your creditors for small fraction of what you actually owe.
When you loan money to a friend, do you expect to have only a small portion returned? Neither do your creditors. The truth is that the credit card industry makes billions of dollars every year on high interest rates and they have absolutely no intention to lose a single penny by allowing you to pay less than what you owe. That is where having the right attorney on your side makes all the difference. Our firm has negotiated debt settlement solutions successfully for clients in Texas and allover Texas. You have rights, but the right to pay back less than you owe is not one of them. That's why we are your best weapon in a world where there is virtually no defense.
Debt settlement protection kills your credit score.
The truth is that you credit score may go down... for now. Once you begin a successful debt settlement campaign your accounts will begin to show regular payment activity, and a successful negotiation to pay even a percentage of the actual amount always looks better than a no-pay or default judgement filed against you in Texas Civil Courts. The simple fact is that if you don't do something right now about your outstanding debts; creditors will soon begin obtaining legal judgements against you that will damage your credit almost irrepairably. Simply taking that first step to call our office can begin protecting your future and getting your credit score back on track.
Bankruptcy is easier than debt settlement.
The simple fact is that neither is easy and we never forget that we are representing not just clients, but our neighbors. We're Texans too. We live and work around people in Texas just like you. We realize that your financial crisis has not only affected your family's bottom line, but has most likely affected virtually every area of your family's life. The sleepless nights won't end with your call to our office to decide if personal bankruptcy or debt settlement is for you, but it will get easier. We will guide you through the path to financial recovery and peace of mind and never forget that we are Texans, neighbors, and friends.
I can save time and money by negotiating the debt settlement myself.
The myth of managing your own personal debt settlement is one of the most common misconceptions about debt management. The simple hard reality is that if you could successfully negotiate your own debt management plan, then you wouldn't be visiting our site or considering debt settlement or bankruptcy protection. Put yourself in the shoes of the debt collector. Based on your payment history why would they believe your intent to repay, even if it is true? Put a real defense and payment strategy to work for you right now by calling Johnson-Bryan and talking with our debt settlement attorneys. Work with a local debt settlement law firm that has experience representing people in Texas just like you every day and call our local office right now.