When financial worries become substantial, and the monthly grind to keep up with the constant demand of creditors is pushing you toward bankruptcy, it is time to call KTO Law and to determine if you might be a candidate for debt negotiation.
In debt negotiation, you might be a good candidate if you have a fixed income, are self-employed or work as an independent contractor because those wages typically cannot be garnished. In many instances, creditors will take a lump sum payment that is less than the total owed to settle your debt rather than risk getting no payments if you were to file bankruptcy.
We can counsel you on all our legal rights and help negotiate to reduce your debt and how to get your finances back on the right track. Our experienced team at KTO Law will assist you through the legal process of debt negotiation and debt settlement.