GET OUT OF DEBT TODAY

Are you tired of spending all your money on debt that will take years to pay off?

Did you know if you make minimum monthly payments on $10,000 in credit card debt at 18% interest, it could take over 35 years to pay off your debt?

Did you know that if you have an adjustable rate mortgage that has reset or will soon reset, you have the right to negotiate with your lender to alter the terms of your loan?

At S.J. Packman & Associates, we are consumer debt attorneys.
We negotiate for you!

We can help you with credit cards, medical bills, & collections accounts

	Avoid Bankruptcy and Reduce Your Outstanding Balances By 25-75%
	Reduce Your Monthly Payments
	Settle Your Accounts in as Little as 1-36 Months

We can help you with mortgage problems

	Lower Your Mortgage Payments
	Get Your Mortgage Rate to a Low Fixed Rate
	Save Your Home From Foreclosure

WE CAN EVEN HELP YOU FILE BANKRUPTCY IF YOU NEED TO
Whatever your situation calls for, we have the choices that can help you out!

S.J. Packman & Associates offers processes that will really help people in these difficult financial times we are all dealing with. The only areas of law we practice are related to consumer debt. Debt is all we deal with and what we specialize in.

Whether it’s a mortgage problem, credit card problem, creditor harassment, or any problem relating to excessive debt, we’re here to help. We will negotiate with your creditors to achieve mutually agreeable arrangements on your behalf. If you're motivated to take action to get yourself out of debt, then one of the different processes that we offer can help you.

We are a full disclosure company. That means we have to tell you everything whether it’s good or bad so you’ll have no surprises down the road, and so you can make the right decision on which process is best for you.

You owe it to yourself to get the help you deserve. You have many rights that your creditors do not want you to know about. To learn more about your options, call or come in for a free consultation.

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