PandA is a top rated award winning local debt settlement law firm.
Much like a professional athlete or television star, you have the right to attempt to renegotiate any contract at any time. In essence, that’s what Las Vegas debt settlement is: a renegotiation of what you owe a creditor to a lower amount. Debt settlement can get you out of debt without bankruptcy.
Now, contract negotiation can be tricky at times, and that’s why athletes and actors have teams of agents and attorneys to handle it for them. At PandA Law Firm, we’re your agent and your lawyer. We’ll negotiate with your creditors to reduce the amount you owe. This is very different from debt consolidation or even credit counseling who’s goal is to lower interest rates or payments. Your PandA Law Firm attorney will LOWER THE AMOUNT YOU OWE your creditors. Typically, you’ll wind up paying back 30% to 50% of the total balance. (results may vary)
That’s a good question, and probably one you should ask your PandA Law Firm attorney during your free* consultation. The truth is that every person’s situation is different. But generically speaking, if you:
AND
Then debt settlement may be the right option. But you don’t have to worry! The lawyers at PandA Law Firm have experience with bankruptcy AND debt settlement. During your free* consultation, they’ll explain the benefits and differences between both services rather than try to force you in to one or the other like some other lawyers do. Don’t go to a lawyer that only does BK. Get all your options: Come to PandA!
Debt Settlement is a contract negotiation between a creditor (or debt-collector) and a debtor (or the debtor’s attorney). The goal of this negotiation is to convince the collector to take a small portion of the total balance as Payment-In-Full. In addition, the paperwork that accompanies the settlement offer should ensure that the balance is marked down to zero, and no one can EVER try to collect on that account again. Sometimes debt settlement is used to avoid bankruptcy, but in other cases financially savvy clients just want to get out of debt with as little out-of-pocket as possible.
PandA Law Firm will handle all communications and negotiations with your creditors and debt collectors. When we take your case, we’ll estimate your out-of-pocket settlement amounts. Once we have that number, we’ll figure out a timeline that works for you, and execute settlements as you save enough money to make the settlement payments.
Sometimes, our clients have a little bit of money saved before they come in. This savings might be in a 401K, regular savings account, or inheritance. They may even have enough to pay the balances in-full immediately instead of settling, but they’re smart enough to know that they want their money to work for them, not against them. At PandA, we handle all types of settlement cases, and will build a plan that works for your situation.
The short answer is yes. If you have unsecured debt, such as credit card debt, medical bills, payday loans and personal loans, you should consider debt settlement. This is true regardless of whether or not you’re considering other debt-relief solutions like bankruptcy or debt consolidation. The fact is, debt settlement is the ONLY way to get rid of your debt for less than you owe WITHOUT putting a bankruptcy on your credit score. If you ARE considering bankruptcy, you should DEFINITELY consider debt settlement before filing. In some cases, you’ll pay less in a debt settlement plan than you’ll have to pay the courts in your 3-5 year bankruptcy plan. At PandA Law Firm, we handle debt settlement AND bankruptcy. You can be sure that we’ll guide you toward the right solution for you.
Yes. In America, any party to a contract has the right to attempt to negotiate better terms at any time. Credit card agreements, medical service agreements, and payday loans are contracts like any other.
Probably, but it can be tricky. Choosing an attorney to handle your settlement case will ensure that you get the best settlement results and all the paperwork is in order. Most collectors will try to add language to settlement contracts that negate the ENTIRE settlement. In other words, you make what you think is a settlement payment, but really you still owe 100% of the balance. Debt Collectors can be tricky, and only an experienced attorney can make sure your legal rights are protected both during the settlement, and in the future. The debt collectors have lawyers, shouldn’t you?
In most cases, credit card bills, medical debts, payday loans and second mortgages (HELOCS) qualify for some level of debt settlement. If you have other types of debt (student loans, tax debt, mortgages) a good debt relief firm may be able to provide you with options to take care of those, too.
At PandA Law Firm, your initial debt relief consultation is free*. During your appointment, your attorney will listen to your case and build a customized plan to get you out of debt, and will discuss any associated fees at that time. To be certain though, our attorneys can usually work out payment plans on their retainers and can start working on your case with as little as $200 down.
It’s a balance sheet thing. When a debt is settled, it moves out of the “Accounts Receivable” column and splits into two parts; the “Income” column and the “Loss” column. Companies use those “losses” to offset other items (including any payment on your debt) and reap the benefits of creative accounting. This is sort of like donating an old couch to charity: The couch is worthless to you, but it’s $200 to the charity. You get to deduct that $200 off your income when you prepare your taxes. In addition, when attorneys who also practice bankruptcy law negotiate settlements, creditors fear that you might be a candidate for bankruptcy; they may get no money at all if you file. Creditors jump to settle debts when PandA negotiates because they know we’re also a bankruptcy firm.
The duration of a debt settlement varies from situation to situation, however most PandA Law Firm debt settlement cases are completed in as little as 6-24 months.
Get Your FREE* Consultation with our Debt Settlement Attorneys
If your debt is getting out of control, and you’d like to know more about debt settlement or bankruptcy, call us today at 702-818-3888 or fill out the contact form below to schedule your free* consultation with one of our attorneys!
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PandA Law Firm
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email https://www.pandalawfirm.com/contact/
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to https://www.pandalawfirm.com/contact/
