OUR SERVICE
*Individual results may vary based on consumer’s specific engagement with law firm, willingness of creditors to negotiate, ability to save funds, and types of debts. Law firms charge fees. Programs not available in all states. The chart above is for illustration purposes only, limited to a potential (not guaranteed or actual) result. It is not intended to compare the options between the bars, and instead simply to show one of many possible considerations for this type of program in each program. Other considerations and risks may exist, so review all program materials carefully and speak with the appropriate law firm representative to answer any questions.
DEBT RESOLUTION
Debt Resolution is a bankruptcy alternative that reduces debt by negotiating with your creditors to accept less than the amount you owe. This arrangement usually involves a low monthly payment on a program which can last from two to five years and which requires the monthly savings of funds in order to fund reduced balance settlements.
HILVANIM GROUP, INC. debt settlement program is attorney-based. Upon enrollment, creditors are notified of the HILVANIM representation of you and your debts and creditors are no longer allowed by law to contact you directly, only us.
Do the Math
When analyzing your situation you should review your options and “do the math”. Take a close look at the interest rates, payments, and charts on your current credit card statements. How long will it take you to pay off your balances making minimum payments?
For example, if you owe $30,000 to credit card companies with a 19% interest rate, and make minimum payments only, it would take you approximately 40 years and a total of $81,000 to pay off your balance.
If you enroll the same debt of $30,000 into a Law Firm Loss Mitigation Program and select a three year plan with an approximate payment of $500 a month, your payoff, with debt forgiveness from your creditors (including legal fees), would be approximately $18,000. This option would save you $63,000 and 37 years!
Why Choose
HILVANIM GROUP, INC.
By choosing HILVANIM GROUP, INC. you are engaging a law firm to handle the debt reduction process. Although most people are reluctant to hire an attorney, when faced with overwhelming debt or when being hounded by debt collectors, having an attorney puts a skilled professional on your side unlike non-attorney based debt resolution firms. Once you engage HILVANIM GROUP, INC. a debt collector is prohibited by law from contacting you directly; they must contact only us.
The Federal Fair Debt Collection Practices Act (FDCPA) regulates the activities of third party debt collectors and collection attorneys. The Act regulates the activities of collectors and collection attorneys and prohibits any collection efforts that violate the law. In addition, the Act allows consumers to seek redress against the debt collector for violating the law and allows a consumer to recover their actual damages, statutory damages up to $1,000, plus their attorney fees and costs.
By dealing with HILVANIM GROUP, INC., both you and your creditor communications are subject to the attorney-client privilege.
WE WORK WITH ALL MAJOR CREDIT CARD COMPANIES & THIRD PARTY COLLECTORS
