Credit card collections, creditor judgements, fdcpa

Questions

HOW DOES YOUR PROGRAM WORK?
A: While most cases use our proprietary methods, our program may be custom tailored for each individual's particular situation. We explore every possible solution including combining common programs with our proprietary methods.
Q: DO YOU OFFER DEBT CONSOLODATION?
A: In some cases we may recommend debt consolidation. While debt consolidation does have some benefits like lower interest rates and the convenience of making one payment that is divided and distributed to each of your creditors, it has been our experience that unless you earn more and spend less debt consolidation does not work for most.
Q: WHO CAN ENROLL IN YOUR PROGRAM?
A: Our Program is designed for consumers who are struggling - or even unable - to meet the minimum monthly payments required to repay debt to their creditors and who want to avoid bankruptcy. (However, it is not intended for consumers who are angry with the banks because their interest is too high or they want to avoid repaying their obligations. Our program is designed for consumers suffering financial hardship.
Q: I AM CURRENT ON MY BILLS BUT DONT THINK I CAN CONTINUE. WHAT SHOULD I DO?
A: Good for you! But if you think you may default in the near future calling us immediately to prepare a game plan to avoid destroying your credit and going into collections could be the best call you will make.
Q: I HAVE FOUND MOST COMPANIES WANT ALL THIER FEES UPFRONT ALONG WITH MONTHLY MAINTANCE FEES. SHOULD I BE CONCERENED?
A: Our program is based on performance. Unlike most companies and so-called "consumer counseling agencies", we are compensated only if we can help you. Companies that charge hefty fees upfront rarely have their client's best interests at heart. We see this as a conflict of interest, and we educate our clients about the best possible options for their individual situation. Our initial consultation is free and so is every hour of time we spend until you hire us. Our priority is to help you.
Q: WHY SHOULD I GO WITH YOUR COMPANY?
A: The President suffered financial hardship which led to the founding of the Angels of Debt. Each Angel representative suffered hardship, went through our program and was hand picked by the President. With 10 years of combined experience dealing with families in crisis, there is simply no one out there that competes with our state of the art online system, personal service, caring and of course bottom line results!
Q: I SEE ALL THESE TV AND NEWSPAPER ADS WHAT MAKES YOU SO SPECIAL?
A: Most debt related advertisements you hear about are either debt consolidation or credit counseling. Statistics show the majority of debt companies promise to significantly reduce a consumers debt, however the truth is that they are highly unsuccessful. In fact, we have been told by our clients and by researching the many consumer complaints found on the better business bureau website, the vast majority of cases, consumers find out the hard way that most of the payments they have made to these companies do not go to the original creditor on time and in some cases at all! as they have been told, but instead remain with them. The end result is that thousands of dollars in payments have in effect been wasted as they have not been forwarded to the original creditor. In addition, some credit counseling companies incorrectly tell their customers that once they sign up all of their cards will not be cancelled and their credit scores will not be damaged, when these events happen in every case that we are aware of with such a program. We treat each case individually; we care about your credit score, we tell you everything to expect. We go as far as to recommend that you several companies and do some homework. . Our program PROPRIETRY methods successfully helped nearly a 1000 individuals. We never had a complaint to date and will do everything possible to satisfy our clients.
Q: DO YOU OFFER GUARANTEES?
Q: We guarantee you will stay in debt unless you do simething about it. We guarantee that we will deliver what we promise. (possibly more)
Q: HOW LONG DOES YOUR PROGRAM TAKE?
A: That all depends on what strategy is best for your particular situation. Programs may vary from 3-6 months or more. Again each situation is unique.
Q: WHAT TYPE OF DEBTS CAN YOU HELP US WITH?
A: We are The Angels of Debt! Debt is Debt! you owe money? cant pay it back? In most cases we can help. we have tremondous success with common debts like Mortgage default, Credit cards, creditor lawsuits, medical bills, accounts in collections, car Leases and Tax issues. Don't call us if you owe money to members of organized crime!
WHAT ABOUT ALL THOSE HARASSING CALLS FROM COLLECTION AGENCIES?
A: Our relationship with most creditors and collection agencies should put a stop to the calls. Continued calls may constitute violations of the FDCPA and may subject themselves to diciplinary action.
SHOULD I SPEAK TO THE COLLECTION AGENCIES WHEN THEY CALL?
A: You are not required to discuss anything with a collector unless you want to. Our suggestion is not to speak with them unless you consult with a professional first.
Q: WHAT IF I DIDN'T MAKE THE CHARGES?
A: Than you have nothing to worry about. We will help you resolve your case with ease.
Q: WHAT HAPPENS DURING A CONSULTATION?
A: During your confidential session with an Angel, a thorough review of your income, debts (secured, and unsecured), and living expenses. will help us to identify the problem and will provide educational information to help you in the future. An Angel will assist you in developing an action plan to help you reach your goals.
Q: CAN YOU HELP WITH BUSINESS DEBT?
A: We have clients in almost every category of business grossing anywhere from one hundred thousand dollars in sales to one hundred million dollars. We are highly skilled professional certified debt arbitrators who negotiate fairly and with integrity.
Q: WHAT DO I DO NEXT?
A: Call us at 718-766-5193 or fax all your debt related statements to 718-247-9564. If you prefer, you can complete and submit an online debt profile questionnaire. http://www.angelsofdebt.com/debtprofile
Q: WHAT HAPPENS AFTER I SIGN UP?
A: we will review your progress and will give you periodic updates. A angel will discuss your progress, review your goals, and help you adjust your budget so that you are always maximizing your savings.
Q: DO I GET TO KEEP ANY OF MY CREDIT CARDS?
A: If you are attempting to resolve your debt issues it is not wise to continue incurring debt. Upon acceptance into a Debt Management Program, you will be expected to close all but one major credit card (to be used for emergency only, making reservations/confirmations, etc.). We will work with you to make this decision and explain the importance of why this is necessary. We want to help use credit more responsibly and prevent future debt problems. Each situation is handled according to the individuals best interests.