The Debt Settlement/Debt Validation Program

Information About Debt Settlement You Should Know

If you are looking for a magic bullet to or quick fix to end your debt problems, you have come to the wrong place. Quick fixes are generally scams. If you are really serious about becomming debt free, and are prepared to follow through, then let us explain what we do and how, and help you decide if our programs are right for you.

This settlement/validation program works! It is a unique program which utilizes debt settlement through a Law firm with Debt Validation and Legal Representation to substantially reduce your debts. If you are currently able to pay your monthly payment minimums and anticipate being able to continue to do so, this program may not be for you.
We do not advise our clients to stop paying creditors if you are able to do so.

The name of the Law Firm is: The Mohnsam Firm PLLC,207B Alpine Drive, Shelbyville,KY 40065. Referred to as "The Firm".

What is the cost?
The entire program will cost approximately 55% of what you owe, legal fees included, payed in affordable monthly insallments. You get a clearly written agreement which fully explaines the fees and the monthly fee breakdown.

Each program is customized for your individual situation,and budget, insuring the best chances of success. After examining your situation, if we do not believe debt settlement is right for you, we will not enroll you.

FOR A FREE SETTLEMENT QUOTE EMAIL US AT:. Help@americandebtenders.com or visit: www.americandebtenders.com/startnow.html
OR: Click The LIVE CHAT BUTTON on the Left.

MORE ON THE SETTLEMENT PROGRAM.
DEBT SETTLEMENT WITH DEBT VALIDATION. This is a Program in which you actually hire attorneys. In addition to what is below they will put in an answer to a lawsuit, if necessary, this service is covered in your monthly payment. This program can be as long as 5 years if necessary. CREDITOR CALLS WILL LARGELY STOP.or be better controlled Try that with a conventional settlement program!

WHEN EVALUATING ANY SETTLEMENT COMPANY ASK THESE QUESTIONS, AND, WILL THEY PUT IT IN WRITING.
The following applies to the Debt Validation of America Program.
1. Does your company fully protect me if I get sued by a creditor or collection agency at no additional cost? Do you provide “full legal representation” in these matters?
2. Does your process allow late fees, interest and penalties to continue to accrue on my accounts?
3. Does you process legally stop the creditors from reporting derogatory to the Credit Bureaus?
4. Does your process legally stop harassing creditor calls?
5. Does your process sue my creditors if they are violating my rights?
6. Does your company charge the fees up front, or within the first 12-18 months of the program that will likely last 36 months or more? If so, Why?
7. Does your company immediately engage the creditors legally into a Federal Billing Audit, and start the process of dissolving my debts immediately?

DVA says yes to every question except 6. They do not charge upfront fees--Your fees are spread over the length of the entire program!. We always advise our clients to read the entire agreement and seek legal counsel if necessary.

More Advantages:
• Debt will be eliminated in 1 to 3, or 1 to 5 years.
• You will save thousands of dollars.
• Your monthly payments will drop dramatically.
• You make one consolidated payment per month.
• You will no longer be fighting your battle alone.
• This is a legitimate program -We cannot tell you that your creditor calls will stop, but you will be advised on how to handle them.
• The Program goes to work for you as soon as you make your first payment.
IF YOU HAVE MORE QUESTIONS, PLEASE CONTACT US. Help@americandebtenders.com or visit: www.americandebtenders.com/startnow.html

Types of Unsecured debts which may be put into this program are: Bank Credit Card Debts, Store Card Credit Card Debts, Credit Union Credit Card Debt, Non Government Issued Student Loans, Medical Bills.

The debt settlement program will only accept you if you have $10,000 or more in unsecured credit card debt. If you are in collections,cannot afford your current payments, are either not a candidate or are unwilling to file a bankruptcy, you may be the ideal candidate for this program. Call us to learn more.

1. Your credit may be affected in a negative manner. This type of item will remain on your credit report for a number of years. However, an account indicated as "settled as agreed" is far less damaging than an open charge off. Consumers still opt for debt settlement because they find it preferable to bankruptcy. Usually, the way it is reported on your credit record involves the words "Settled" or "Settled as Agreed" or "Paid as Agreed". However, all the late payments may remain on your credit report until the statute of limitations runs out. At that point, credit repair might help to remove the negative marks if the reporting creditor fails to provide documented proof to the reporting agency.

2. Your creditors may continue to harass you throughout the process of negotiations and you may be sued or even garnished. However, you can only be garnished by one creditor at a time and in some states, you cannot be garnished at all. We have provided Legal Resource Information on this site to give you more information on dealing with this issue.

3. Most debt settlement programs will only accept you if you have $10,000 or more in unsecured Credit Card Debt Call us to learn more. This debt relief option should only be selected when you know that you cannot afford debt consolidation and you do not wish to file bankruptcy.




This information is subject to periodic updating. It should not be relied upon and is not intended to replace any legal advice. If you need legal advice please consult an attorney.