At S.J. Packman & Associates, our team of attorneys and certified debt specialists have put together an online course that will teach you everything you need to know about settling your debts. This comprehensive educational course will provide you with a wealth of information to help guide you through the process of dealing with and settling your debt with your creditors.

This will take some effort on your part, but if you are serious about getting out of debt, and avoiding bankruptcy, then as long as you pay attention, take notes, and follow our advice, you will be able to settle your debts on your own for a fraction of what you owe. For legal purposes, we can offer no guarantees about the specific settlement rates that you will achieve, but we can tell you that if you are serious about changing your financial situation, and you apply what we teach you, you should be able to obtain settlements with your creditors for less than the full balance that you owe.

Why Do It Yourself?

Most people are able to settle their debts on their own, they just need some information from a dependable source that they can count on. You can try to figure out how to deal with the settlement process on your own, but you should understand that an investment in an educational course will pay off many times over. Time is money, and our course will save you the hassle of trying to figure out the process on your own, which can not only be extremely time consuming, but could end up costing you thousands of dollars. Our course will teach you how to avoid costly errors and will save you a great amount of time. Most importantly, we will take the stress out of the process by providing you with course material that is presented in an easy to learn format.

You can visit numerous forums and blog sites on the Internet or get information for free on how to settle your debts, but you should be careful as there is are a lot of outdated and inaccurate information out there, that if you were to follow, could lead to some severe legal consequences. As a law firm we have seen many instances where people have tried to negotiate settlements on their own based on misinformation they may have come across on the Internet and they ended up facing serious legal actions and then decided to call us for help. If you are going to take matters into your own hands, it can be done, but you need to make sure that you have a clear understanding of all the intricacies of the process.

Hiring a third party to transact settlements on your behalf can also be extremely risky, if that third party is not an attorney.

Federal law creates certain rights that allow attorneys to handle creditor calls and documents on your behalf. In addition, an attorney has the capability to file bankruptcy for you in the event that negotiations with your creditors do not go as planned. If you cannot afford to hire an attorney, in many situations, your results may be better if you decided to handle your case by yourself, as opposed to hiring a non-attorney based settlement company for help. Many non-attorney companies say they can eliminate collection calls, but what they do not tell you is that by eliminating creditor calls, they are increasing your risk of legal action. If a creditor can not contact you, they are only left with one way to try to collect from you, and that is by using the court system. We will teach you ways to deal with the creditor and collector phone calls that will not subject you to the risk of a lawsuit.

Many creditors will refuse to work with non-attorney based settlement companies, and each year, it becomes harder and harder for non-attorney based settlement companies to negotiate on their client’s behalf. Many credit card companies and other creditors are actively lobbying against the use of third party negotiation companies.

The following states have enacted laws that either ban or limit the activities of third party debt management and settlement companies: Hawaii, Kansas, Kentucky, Maine, Mississippi, New Jersey, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, Tennessee, Vermont, Wisconsin, Wyoming, Washington, and West Virginia. If you live in one of the states listed above, a trustworthy debt negotiation company may not even allow you to become a client. The laws in those states, however, still allow an individual to negotiate directly with their creditors on their own behalf. Fortunately for you, that means that you can still learn how to settle your debts and transact settlements with your creditors on your own. This is where our online debt settlement educational course comes into play.Our services are available in all 50 States, so no matter where you live, we can still help you. The S.J. Packman & Associates educational course will assist you in accomplishing professional settlement outcomes at self help prices.

If you are working on a tight budget and do not have the funds to afford our Full Service Debt Settlement process, our more affordable, online education course might be the best move for you. Most of our clients have several different accounts that require attention, and by learning the process, after settling just one relatively small account at a 50% discount, you will end up saving much more money than if you would have paid for our most expensive mentoring option. Using this course can end up saving you thousands of extra dollars by learning how to negotiate with creditors the right way, as opposed to using a trial and error method on your own, with no guidance.

Many settlement companies, including our Law Firm, will only accept clients that have a total unsecured debt that is equal to $7,500 or more. If you settle your debts on your own, there are no restrictions or minimum debt load requirements that you must adhere to. Not to mention, no one can provide you with the attention and the quality of service that you can provide for yourself.

Any financial hardship can be an excellent learning experience. Going through a process to help you resolve your outstanding debt can teach you many things, and if you pay attention, and stay on top of your settlement process, you will be much less likely to fall into the same circumstances again in the future.

Content

Our course breaks down the collection process in a way that makes everything easy to understand. We have hours worth of online presentations that will teach you everything there is to know about resolving your debt problems. We also offer an entire forum of sample documents that you will need to communicate with your creditors and debt collectors. This course will educate you on what to say and do when you receive creditor phone calls. We will teach you how to time your settlement offers to obtain the best possible results.

If you use our process, there will be nothing left for you to have to figure out on your own. Every part of the settlement process will be mapped out for you step by step. The information in our course has been proven to get our clients results. We will teach you how to improve your odds of success by using the same tactics that our own negotiators use when negotiating for our clients.

We will teach you:

• To negotiate with all types of unsecured accounts such as; credit cards, lines of credit, personal or signature loans, department store cards, medical and hospital bills, repossessions, and just about any type of third party collector or collections account, including attorneys!
• Ways to pay your debt off without further damaging your credit
• How to eliminate your unsecured debts while lowering your monthly payments
• What your budget should look like
• How to handle or avoid collector calls and letters
• Communication tactics for dealing with your creditors
• The many different stages of the collection process
• How to make the collection process work to your benefit
• How to see through the credit collectors tricks
• The right settlement amounts to offer on each account
• Ways to time your settlement offers properly to increase you chances of success
• The proper way to present offers to your creditors and collectors
• How to negotiate both offers and counter offers
• How to negotiate both offensively and defensively according to what your specific situation may call for
• What you need before you can make a settlement payment
• The proper ways to make a settlement payment
• How you should be documenting everything
• What you should do after your debts have been settled
• What to do if a collector tries to collect on an account that has already been settled

In addition to our educational course material, we also provide you with a personal dedicated attorney that will mentor, advise, and assist you with anything that you may need help with throughout the entire debt settlement process. All of our attorney mentors are not only licensed to practice law, but they are also Certified Debt Specialists, which makes them fully qualified and educated in all aspects of the debt settlement process.

Your attorney mentor will always be there to:

• Answer any and all questions that you may have
• Tell you what amounts each company usually settles for
• Help you properly time your offers to your creditors
• Review any collector letters or messages that you may receive
• Review your settlement offers to determine whether or not to accept them
• Help you determine what to do if something unexpected should come up
• Make sure that all of your concerns are looked after and that all of your rights are protected

Understanding each stage of the collection process is vital for you to accomplish your settlement goals. With our one-on-one attorney mentoring approach, we will help you understand how to make your settlement offers at the proper times.

Having an attorney mentor you through the process of settling your debts can ease the burden on you and be extremely helpful during this stressful financial time you are experiencing.

Your attorney mentor will help save you money, time, and stress by advising you on when to accept an offer and when to hold out for a better offer. Even if you are able to save an extra 5%-10% off of an account because of your attorney mentor’s advice, your course will have already paid for itself. Most of our clients are usually able to save MORE than an additional 5%-10% just by listening to their attorney mentor’s advice.

Costs

The training that we provide at S.J. Packman & Associates can be the difference between success and failure when it comes to settling your debts. Many people attempt to negotiate with their creditors on their own because they cannot afford to pay the fees associated with the full service debt settlement process. With our do-it-yourself debt settlement educational course, you can achieve professional results without paying professional fees.

The cost of our online debt settlement educational course, along with your own personal attorney mentor could be valued at a few thousand dollars, and if we were to charge by the hour, this course could cost even more than a few thousand dollars. In order to make this educational course affordable, we have broken it down into several different levels of mentoring. Additionally, if you are on a strict budget, we even allow you to spread your cost out over multiple payments. No matter what circumstances you may be experiencing, we offer the solution that will work for you and your budget.

Please see the order entry page for further payment plan details.

There are 4 phases to the debt settlement educational course.

Phase 1: Online Video Presentations and Sample Documents

You will receive a password for our protected website, which will grant you access to our comprehensive online course. There are hours worth of videos which will fully educate you on the settlement process. You will also have access to numerous letters and sample documents that you will need to send to your creditors and collectors throughout this process. Ask about a hard copy of our package if you do not have access to the Internet.

Phase 2: Personal Telephone Consultation with your Attorney Mentor

After viewing the online videos, we will schedule a personal telephone discussion between you and your attorney mentor, to help you move forward. Your attorney mentor call you to further discuss the details of your situation and will help you develop a personalized game plan on how to approach your creditors and collectors.

Phase 3: Ongoing Attorney Mentoring

Different service levels provide for different rights to our attorney mentoring program. You can have up to 3 years of personal, one on one attention from your attorney via phone or email. They will be there to answer any questions that come up while you are negotiating with your creditors.

Phase 4: Review of Creditor and Collector Documents

If you have any questions about letters or settlement offers that you may have received in writing, you can email or fax the correspondence to your attorney for a further assessment. We will double check all of your creditor settlement letters to make sure that you are fully protected.

Our course is the complete solution for all your unsecured debt problems!

Below you will find the different levels of Educational Courses that we offer. The different package levels are bronze, silver, gold, and platinum.

No matter which level you choose, you will always have access to the information in our online Debt Settlement Educational Course. You can watch the first educational video within an hour after purchasing.

You have nothing to lose. Our educational course comes with a 100% money back guarantee within 30 days of purchase. If for whatever reason, you are unhappy with your purchase, just give us a call or email us to cancel your order, and we will grant you a refund immediately. That’s all you have to do.

Don’t settle for imitators. Go for the educational course that was built by attorneys and certified debt specialists. Call Us Now or click here to order.

The S.J. Packman & Associates Online Debt Settlement Educational Course is for those people who may be experiencing a significant financial hardship, that includes, but is not limited to: loss of income, illness, injury, disability, unforeseen expenses, death of a supporting family member, divorce, etc. This educational course is for those who are unable to pay their debts in addition to their necessary living expenses, and do not want to file for bankruptcy. Our staff of well trained attorneys, debt specialists, and paralegals are here to ensure that you are placed into the process that is right for you. If you are unsure if settling your debts is the best approach to your current financial situation, please give us a call for a free, no obligation consultation, and we will be able to point you in the right direction. We ask the right questions to find out about your personal situation and determine which process is best for you. While there are many advantages to the do it yourself method, there are also many instances where you may want to seek professional assistance. Don’t delay. Give us a call at 1-888-314-1722 or click here to have someone contact you if you are unsure which option to choose.

Remember, having too much debt can be detrimental to your future. Take action now. Eliminate your debts for a fraction of what you owe. Our Online Debt Settlement Educational Course will guide you to a secure financial future. Our course is guaranteed to teach you everything you need to know to try to make your settlements work for you.

At S.J. Packman & Associates, before we make any recommendations, our attorneys, certified debt specialists, and paralegals, are trained to ask the right questions to find out about your specific situation. Based on your current income and your financial hardship, we will determine which course of action will work best for you. We do not only offer one path, as there is no one process that can solve everyone’s needs. We will take our time with you and help evaluate what your best course of action should be. Call now and one of our advisors will be there to get you started on your path to financial freedom. There is no obligation to enroll, so don’t delay.