Debt Settlement Process & Procedures

Debt Settlement Process Introduction

Our representatives work on each case individually to determine your eligibility. If you qualify, we will establish a process that will allow you to settle your debt in the most time-efficient and affordable manner.

If you decide that you would like to move forward with our suggested process to get out of debt, we will send you all the necessary documents that you will need. Once you receive them, you must review and gather your account information so that our debt specialists can assist you in reaching your goal of financial freedom in a timely manner.

Document Review & Debt Negotiation Enrollment

Once you return the necessary documents, our processing department will review everything to ensure all of your information is accurate. After that, you will receive a welcome call from one of our representatives to answer any questions that you may have about the entire process. You will also be assigned a personal representative familiar with your case who you can call anytime on a direct line if you have questions, comments or concerns about the debt negotiation process.

Based on your individual circumstances we will then create a plan of action that will allow us to negotiate with your creditors. Our plan will be based on a variety factors. These include the specific process that you enrolled in, the type of debt you are in, the amount of debt you are in, the age of your debt and the creditors you owe money to, among other factors.

Communicating and Negotiating with Your Creditors

Working and negotiating with creditors can be an extremely confusing and time consuming process. As such, the experienced debt attorneys and specialists at S.J. Packman & Associates take the time to structure the best plan and methods to deal with your creditors so that we can negotiate an arrangement that will get you back on a healthy, debt-free financial track as soon as possible.

We will communicate with your creditors on your behalf and assist you when dealing with aggressive, confrontational or abusive creditors or collectors. We will also help you to minimize creditor phone calls and stop them from harassing you at home or at work.

Our experienced staff is dedicated to working with you and if you follow our guidance and become as devoted to your debt settlement as we are you will assuredly get out of debt safely and quickly.

Staying on Plan to Solidify and Strength Your Settlement of Debt

Every month, one of our paralegals will contact you to make sure that you are comfortable with the debt negotiation process and that everything is going according to plan. Our paralegals will make sure that you are dealing properly with creditor phone calls, reviewing creditor correspondence, helping you stay within your budget and whatever other services you may need. Our goal is to make sure that you are aware of what is transpiring with your case at all times as well as being sure that all of your needs and concerns are promptly met.

Before we finalize an agreement with you, we send you all official documentation for your review and approval. You should be able to pay off all of your debt in a short amount of time by letting us negotiate with your creditors on your behalf. Once you have utilized our services to get out of debt, we will provide you with advice on how to remain debt-free and how to move towards building a more secure financial future.

Let S.J. Packman & Associates help you help yourself get out of debt. We have helped thousands of people in your situation and look forward to helping you discover a new, debt-free financial future.

Get Started Now

For a completely free consultation, please call 1-888-314-1722, fill out our Free Consultation Form and one of our paralegals or debt specialists will be in contact with you shortly.

For more information about the exact services that we offer, please visit our Services page. For answers to the most common debt settlement questions, please visit our highly informative Frequently Asked Questions page.