To achieve forgiveness of a large portion of debt balances, the debt must be delinquent to demonstrate a hardship.  While most individual debts enrolled do not experience a lawsuit, any time you do not follow the original lending agreement, the creditor has the right to use the civil court system as a method of debt collection.  However, most creditor lawsuits can be avoided by prioritizing settlement on debt at risk of a lawsuit.  Texas also has very high consumer protection laws compared to most other states, making it difficult or impossible for a creditor to collect a judgment in many situations making this method of debt collection much less attractive to creditors.  Lawsuits are not the preferred method of collecting a debt for any creditor.  We have extensive experience with this method of debt collection in Texas as we enroll many clients with pre-existing lawsuits.
Many of our clients utilize an optional affordable legal representation from whom, in our opinion, is the very best debt defense attorney in Texas.  This highly rated and awarded attorney is not available as a separate option with any competing Debt Relief company.  The advantage of having the attorney retained upfront is that creditors will understand that you will have representation, providing additional protection to minimize lawsuits.  The attorney will also take action in an attempt to avoid a lawsuit whenever necessary.  If a creditor still filed a lawsuit, the Texas debt defense attorney will represent you and protect your best interest.
Although the legal representation is optional and separate from our Debt Negotiation service, our performance fees are 20 to 40% less than most competitors.  Our much lower fee makes the cost of adding the optional legal representation with the highly rated attorney that much more affordable.  If you utilize the optional legal representation, the law firm will also handle all creditor calls on your behalf to have peace of mind while your debts are resolved throughout the process.
Alternatively, we can provide a reactionary only “pre-paid legal” or “legal insurance” plan like most competitors at the lowest cost possible.  This plan will not give any upfront legal representation but will find you an attorney to represent you if you experience a lawsuit while enrolled.  The legal insurance plan plus our Debt Negotiation plan provides an “apples to apples” level of service compared to most competitors.  However, with performance fees usually 20 to 40% LESS than a competitor, the savings using us is huge.