Recognize Your Rights
Providing you with information on debt resolution
FAQs
What benefits can you expect when you enroll with My Debt Lawyers?
Upon joining the program, your case will be managed by our dedicated legal team, which comprises experienced
paralegals and in-house attorneys. This team will promptly take charge of your file, ensuring that it receives the
attention and expertise it deserves.
Why should I choose a lawyer from a different state?
When you work with My Debt Lawyers, your monthly payments are directed towards a debt settlement company that
strives to negotiate the lowest possible settlement on your behalf. Unlike typical debt settlement organizations, our
approach ensures that your monthly retainer is used to cover our legal fees as we work to nullify your debt, ultimately
reducing it to nothing. Additionally, if you face a lawsuit, we will provide legal defense for you in court.
Do you consolidate debt?
No, at My Debt Lawyers, we do not offer debt consolidation services. Instead, we specialize in debt validation. Unlike
debt consolidation, where your monthly payments are directed towards a settlement, our approach is different. We
thoroughly investigate each debt to explore all avenues for potentially invalidating it before any settlement discussions
begin.
Why Choose My Debt Lawyers Over a Debt Settlement Company?
Debt settlement companies aim to settle your debts at the lowest possible percentage, profiting from the amount they
manage to reduce. This often means their financial gain can be higher than your savings. At My Debt Lawyers, our
primary objective is to have your debt completely nullified, leaving you with no remaining balance to worry about.
How Does My Debt Lawyers Invalidate My Debts?
At My Debt Lawyers, we invalidate your debts by demanding essential information from the original creditor and any third-party
collection agencies. Without this information, they cannot legally pursue collection on the account, rendering your debt void. Additionally,
we scrutinize for any violations of federal laws by these creditors. If any infractions are discovered, the creditors are mandated to pay
fines for each violation.
How Long Does Debt Validation Take?
At My Debt Lawyers, the debt validation process can span between 18 to 24 months. It’s a detailed procedure that may not
provide immediate updates.
When you sign up with My Debt Lawyers, we promise to tailor our legal services to suit your specific needs.
Whether you require a settlement, defense against lawsuits, debt invalidation, or expert legal advice, we are
committed to creating the perfect plan for you.
When should certain federal laws be applied to specific debts?
My Debt Lawyers has a comprehensive list of federal statutes that apply to Debt Collectors to help manage debts. However,
it’s important to note that the Fair Debt Collection Practices Act (FDCPA) only applies to debts that remain with the original
creditors. Other applicable laws include the Telephone Consumer Protection Act (TCPA), the Electronic Fund Transfer Act
(EFTA), and more.
What happens if you are sued?
If necessary, My Debt Lawyers will assign Local Counsel to represent you or appear in court on your behalf. If we
decide that settling the case is the most beneficial option, we will work to have the court appearance dismissed.
Should I Stop Making Monthly Payments to My Creditors?
At My Debt Lawyers, we highly recommend that you determine the amount you can pay on your
own.
How will this affect my credit report?
During your participation in our program, you may notice some changes in your credit score. However, once you have completed the
program, your credit score is likely to return to its original level or potentially even improve.
What Are My Monthly Payments For?
Your monthly payments support several critical services provided by My Debt Lawyers:
- Legal Counsel: Receive expert legal advice tailored to your unique financial situation.
- Personalized Legal Plan: We craft a custom legal strategy designed specifically for you.
- Stopping Creditor Contact: We handle all communications with original creditors and third-party collectors on your behalf.
- Legal Representation: No matter how many lawsuits arise, you will have professional legal representation every step of the way.