Our representatives work on each case individually to determine your eligibility, and then, if you qualify, they will establish a process that will allow you to repay your debt in the most time efficient and affordable manner. Depending on what process you qualify for, our representatives will thoroughly explain a financial plan and structure that is specifically designed to meet your needs.

If you decide that you would like to move forward with our suggested process, our representative will send you all the appropriate documents that you need. Once you receive the relevant documents, you will need to 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 & Enrollment

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

Based on your unique circumstances we will create a plan of action that will allow us to negotiate with your creditors. Our plan of action will be based on a variety factors such as; the 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 specific creditors you owe money to, just to name a few.

Getting Down to Business

Working and negotiating with creditors can be an extremely confusing and time consuming process. Our goal at S.J. Packman & Associates is to structure all of our different processes towards you the client, and your needs. Depending on the process that suits your needs, we will determine the best plan and method of dealing with your creditors. We have many different services and options that we provide to our clients, and we can’t possibly go over all of them here, but we will do our best to negotiate an arrangement that will leave you debt free and get you back on track as quickly as possible.

One of the keys to negotiating with creditors is deciding what the appropriate negotiating strategies should be in order to get our clients the best results. We will communicate with your creditors, on your behalf, and assist you when dealing with aggressive, confrontational, and abusive creditors or collectors.

We will help you to minimize the creditor phone calls that you receive and stop the creditors from constantly harassing you at home and at work. Our experienced staff is dedicated to working with you, but you also need to be committed to getting yourself out of the financial situation that you are in. At S.J. Packman & Associates, we have helped many people just like you get out of debt. Let us help you!

Staying in Touch

Every month, one of our paralegals will be contacting you just to make sure everything is going according to plan. When you speak with our paralegals, they will make sure that you are dealing properly with creditor phone calls, reviewing creditor correspondence that you may be receiving, help you stay within your budget, along with whatever else you may need. Our goal is to make sure that you are constantly aware of what is going on with your case at all times and to make sure that we are always aware of all of your needs and concerns.

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 used one of our processes to get caught up with your creditors and have become debt free, we will provide you with advice on how to remain debt-free and how to move towards building a secure financial future.

S.J. Packman & Associates can be the first and last company that you will ever have to call to get you out of debt.

Get Started Now

In order to obtain your free consultation, you can call 1-888-314-1722 or fill out our Free Consultation Form and one of our paralegals or debt specialists will be in contact with you shortly.

At S.J. Packman & Associates, before we make any recommendations, our attorneys, certified debt specialists, and paralegals, are trained to ask the right questions to find out about your specific situation. Based on your current income and your financial hardship, we will determine which course of action will work best for you. We do not only offer one path, as there is no one process that can solve everyone’s needs. We will take our time with you and help evaluate what your best course of action should be. Call now and one of our advisors will be there to get you started on your path to financial freedom. There is no obligation to enroll, so don’t delay.