Stop debt collector abuse and debt harassment. We help protect you by suing debt... more
Stop debt collector abuse and debt harassment. We help protect you by suing debt collectors without any upfront fees to you. Each potential client gets a free confidential consultation with Mr. Semnar without any obligations or strings attached. We also sue for violations of Fair Credit Reporting Act (FCRA) for inaccurate information on your credit report and Telephone Consumer Protection... view profile
The Law Offices of Michael Gaddis, APC is a law firm dedicated to helping distressed... more
The Law Offices of Michael Gaddis, APC is a law firm dedicated to helping distressed homeowners save their homes. Helping distressed homeowners was a natural progression for Michael Gaddis who is also a California NMLS licensed mortgage broker. In 2008 Michael Gaddis was busy assisting homeowners to refinance out of 2 and 3 year adjustable loans into 30 year fixed interest rate loans when len... view profile
If you owe a large amount of money on unsecured debts, you may require the services of a debt settlement lawyer. Unsecured debts include medical bills, student loans, credit cards, store and gas cards, personal loans, collection accounts, and bounced checks. For these sorts of debts, lenders will usually accept less than the full amount if it's clear you don't have the money to pay them (especially if the original amount has continued to grow with interest, late charges, and collection costs). A debt settlement attorney can negotiate with the lender and objectively present the facts in your case. Oftentimes, unsecured debt lenders would rather settle with you than take a chance on getting nothing if you file for bankruptcy. If the negotiation is successful, the creditor may even be convinced to take the settled debt off your credit history.
Debt Settlement Attorneys in cities near Vista, CA