Houston Debt Settlement Attorney

What is debt settlement in Houston?

Debt settlement is when you make an offer that is less than what you owe to pay a debt, such as a credit card.

Can I just make one low monthly payment for all of my credit cards?

Many companies advertise that they will settle all of your debts for one low monthly payment. The problem that arises with this plan is that one or more creditors may decide to sue you before you have paid enough money to settle all of your debts. If you decide to hire a company promising to settle your debts for a low monthly payment, be sure to read the fine print and ask what they promise to do if you get sued.

How will debt settlement help me?

In some factual situations, it may make sense to settle your debts instead of filing bankruptcy. While no result is ever guaranteed, you may be able to settle some of your debts for less than the full balance. The details of your settlement rates will depend on your specific factual and legal circumstances.

When does debt settlement make sense?

Debt settlement may make sense for you if you have (or have access to) cash that is equal to a large portion of the total debt owed. When creditors accept offers that are less than what is owed, they frequently require payment within 30 days. If you have the cash available, then debt settlement may be right for you. Debt settlement may also be right for you if you have high disposable income (i.e. a lot of money left over each month in your budget) and could quickly save up cash equal to a large portion of the total debt to be settled and are not currently paying on those debts. There are many other situations that may make debt settlement right for you.

Dove Law Firm, PLLC

Call the Dove Law Firm, PLLC today to schedule a free consultation to find out which option makes sense for you!

Patrice Boyce

02:08 26 Jan 22

I was in a very distressing situation with a judgement filed against... me and I missed both my court dates. The judgement reached the level of a court appointed 3rd party being appointed to assist with collecting the judgement against me. This is NOT a situation you want to be in!! I decided to hire this firm to help because I didn’t have the money for the judgement, but I did want to resolve the situation. Ryan was a straight shooter. He didn’t promise me anything and made it very clear all the things I was up against.We placed an offer to settle and it was months of no response from the plaintiffs. Ryan was very diligent and continued to press them for a response. Finally, he was able to negotiate a deal where I was able to give a lump sum of what I had and make payments for the remaining balance. He saved me over 50% off the judgement. He undersold and over over delivered! I’m so grateful for his assistance getting me out of this predicament. Awesome attorney and law firm!read more

gene moellendorf

21:02 22 Jan 22

Mr dive did a fantastic job for me and my wife. He then also helped... my daughter I would recommend him to anyone that needs this type of help. He is professional in every manner. All I can say is thank youThanks for everythingread more

Les Mcdonald

16:36 26 Oct 21

From the very beginning Dove law firm has been such a tremendous help... in letting me understand all about a bankruptcy. Sometimes it can get a little overwhelming on what your about to go through. Dove law firm put my mind at ease with explaining to you how it all works. The classes that he recommended really help me understand on how important it is making a budget every single month. I will be using this for the rest of my life. I would definitely recommend Dove law firm to my friends and family.read more

Stephen Reed

01:53 15 Sep 21

Ryan Dove's services are an admirable benchmark of professionalism... and compassion, regarding his quality of service for his clientele.I'm normally a stodgy 'go it alone' person, having been met with many disappointing results from most anything I've ever contracted out for. My wife's and my hiring of him for representation is one of a few times such a contract was not only highly rewarded, but also done so compassionately. His interpersonal professional skills, generously backed with first rate understanding of the process and law, genuinely impressed!This isn't a paid for or comped review. I hardly take the time to write reviews, with exception of those services or products I find extremely valuable, where compassion is such an obvious weighed motivating force.read more

Michael Bc

18:29 14 Apr 21

Ryan Dove is the BEST Attorney I've ever dealt with. Facing... bankruptcy is something none of us want to do, but unfortunately, circumstances may dictate otherwise. In my initial conversation I found Ryan to be professional, compassionate, understanding and very knowledgeable and informative which is why I chose Dove Law firm PLLC. Ryan made a difficult process easy and helped guide me through my bankruptcy. He is very punctual in answering your phone calls and emails. The Dove Law Firm ALWAYS has YOUR best interest in mind and really helps you in every way that they can. My Chapter 13 Bankruptcy case was confirmed today and I am so thankful and grateful to Ryan and the Dove Law firm for alleviating all my stress and concerns and giving me a "fresh start" in life. I would recommend the Dove Law firm as the PREMIER law firm to all. Thank you.read more

Debt Attorney in Houston, TX