If you utilize a debt consolidation loan or credit counseling program, you should not have collection calls as long as you make on-time payments. With debt negotiation, our debt negotiators alone are unable to prevent debt collectors from trying to call you directly. However, we provide an option to not receive collection calls while your debts are negotiated and settled. Texas has consumer protection laws in the Texas Finance Code separate from federal laws such as the FDCPA. When utilized, Texas law makes it illegal for debt collectors to contact you directly if you hire an attorney in addition to our services. Therefore, our clients have the opportunity to use optional separate legal services made by an exceptional arrangement with who we feel is the best debt defense attorney in Texas. While utilizing the legal services, the creditors will only be authorized to contact the attorney or our settlement representatives.
Our settlement fees are much lower than typical out-of-state debt relief companies. Therefore you can include the optional and separate legal services while likely keeping your combined cost roughly comparable and sometimes less expensive than out-of-state competitors who cannot offer the additional legal protections. We do not know of any other Texas-based debt relief company or out-of-state debt relief company with the resources to provide this optional high level of protection. Other companies may offer a “pre-paid legal” type of insurance that provides benefits, but this type of insurance cannot prevent collection calls. We have a very affordable legal insurance option if you are willing to deal with collection calls during the program, especially during the first few months. If you do not utilize the optional legal representation, we will try to minimize creditor calls as much as possible. But keep in mind most creditors or debt collectors will continue to call until a settlement agreement is in place with the creditor or debt collector.