319.535.2241
mickelle@wordehofflaw.com
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Law Office of Mickelle
Wordehoff PLLC
In a recent credit card debt case, I successfully defended a client being sued for nearly $1,000 on an original debt of only $500. By filing a strong motion to dismiss and effectively advocating for my client, I negotiated a settlement for the original debt amount and secured a manageable payment plan through the client's debt consolidation company. This outcome allowed my client to resolve the lawsuit and regain control of their finances.
Courtney from Illinois had the following to say after the help she received in her consumer credit defense case and settlement negotiations:
Thank you very much!!! I really appreciate your assistance and guidance with this!
Recent Wins and Client Testimonials
What are some of the successes of this firm and the customer service kudos we have received?
Deborah from Iowa stated:
Thank YOU again for being so amazing throughout this process!! I really appreciate you!!
Disclaimer:
The information provided on this website is for general informational purposes only and is not intended to constitute legal advice. You should not rely on this information as a substitute for seeking professional legal counsel from an attorney licensed in your jurisdiction regarding your specific situation.
It may seem counterintuitive, but sometimes, pausing payments can be a strategic move. This could be recommended if:
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You're overwhelmed with debt and other financial obligations.
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High interest rates and late fees are making repayment difficult.
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You need to demonstrate to creditors that your financial hardship is serious.
Important Note: Ceasing payments can have significant consequences. It's crucial to consult with our legal team to understand the implications and explore the best course of action for your specific situation.
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Creditors have the option to sue if you stop making payments on a debt. While our firm cannot predict which creditors will choose this route, we can defend your rights and interests throughout the legal process.
A charge-off occurs when a creditor removes a debt from their "accounts receivable" category due to a lack of payment. It's an accounting procedure that does not eliminate your debt obligation. However, it may stop the accrual of additional interest and late fees.
A law firm like ours can act as your advocate in debt collection cases. We can:
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Negotiate with creditors on your behalf.
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Provide legal representation if you are sued.
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Work towards settlements and payment plans that are manageable for you.
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Most likely not. Debt forgiveness typically only occurs in rare circumstances, such as:
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Expiration of the statute of limitations (time limit for legal action).
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A court order, often associated with bankruptcy proceedings.
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There are various defenses that might apply to your case, including:
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Disputing the debt's validity.
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Identity theft or fraud.
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Bankruptcy discharge.
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Incorrect debt amount or improper payment application.
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A judgment is a court order confirming your debt obligation. It's crucial to understand the implications, which may include:
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Public record of the judgment.
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Potential impact on credit and rental applications.
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Possible wage garnishment or liens on property.
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While court dates are sometimes unavoidable, our legal team can often represent you without your mandatory presence. We strive to minimize disruptions to your life while protecting your rights.
The timeline for settlement varies depending on several factors, including the complexity of your case and the creditor's approach. We work diligently to achieve a favorable resolution as efficiently as possible.
We encourage you to contact our experienced legal team for personalized guidance and answers to your specific questions. We are committed to providing clear, compassionate support every step of the way. If you are inclined to contact this firm, click on the "Contact" tab of this website.
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We are here to provide legal advice and representation, not financial assistance.
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It's essential to be proactive and keep us informed of any changes in your circumstances.
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We can refer you to specialists in bankruptcy or other areas if needed.
Remember: This is a general overview, and the specifics of your situation may vary. Always consult with our legal professionals for personalized advice.
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