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Category: Debt Relief

Can You Buy A House After Debt Settlement? (The Answer May Surprise You)

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It’s certainly possible to buy a house after debt settlement, and here are 6 steps you can take to achieve this milestone. If you recently settled your debts or are in the process of going through debt settlement, you may be wondering, “Can I buy a house after debt settlement?” For many Americans, purchasing a […]

Can You Go To Jail For Credit Card Debt? (What You Should Know)

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The fear of debt and its consequences can be quite overwhelming, especially when it comes to credit card debt. Many people have concerns about what can happen if they are unable to pay their credit card debt.  In fact, one of the biggest fears is the possibility of going to jail for not being able […]

Debt Management Vs. Debt Settlement: Which One Is Better?

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If you’re facing difficulty making timely debt payments, or are even contemplating bankruptcy, then these debt relief options may be beneficial. Debt has remained a consistent factor in the U.S. economy for the past decade.  According to The Federal Reserve Bank of New York’s Center for Microeconomic Data Quarterly Report on Household Debt and Credit, […]

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Debt Clear USA partners with trusted third-party providers (“Providers”) to provide debt resolution services. In some states, debt resolution services will be offered by Advantage Law, a DBA of Higbee & Associates. See below for details about Advantage Law.

Clients who make all monthly program payments save approximately 40 – 50% of their enrolled debt (average of 43%) upon successful program completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of starting the program and range from 14%-25% of your enrolled debt. Programs range from 20-48 months. Clients must save at least 25% of each debt due to an enrolled creditor before a bona fide settlement offer will be made. On average, clients receive their first settlement within 4-7 months of enrollment and approximately every 3-6 months thereafter from when the prior debt was settled. Not all clients complete the program. Estimates are based on prior results and may not match your results. Providers cannot guarantee that your debts will be resolved for a specific amount or percentage or within a specific timeframe. Providers do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Provider’s program is not available in all states; fees may vary by state. The use of debt resolution services will likely adversely affect your credit. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Any amount of debt forgiven by your creditors may be subject to income tax. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, other than funds earned by the company or fees paid to third-party service providers, as may be applicable. Read and understand all program materials prior to enrolling. Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt relief companies. To determine the offers you may be eligible for, Providers conduct a “soft credit pull.” This credit pull does not impact your credit score, creditworthiness, or ability to obtain credit from other sources. The soft pull is not a tradeline entry, does not report against your score and will only take a few minutes.

Important Information For Those In States Serviced By a Law Firm Partner. Advantage Law is a DBA of Higbee & Associates PC, an A+ rated law firm by the Better Business Bureau. Mathew Higbee principal attorney, Las Vegas, NV. Choosing an attorney is an important decision that should not be done solely based not advertising. Fees are not set by law and can be negotiated. The terms and benefits of Advantage Law’s services will vary from those listed above.

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