Home   Credit Restoration   Debt Resolution   Foreclosure Prevention

Become A Member   Contact Us

Get Relief From Pressing Debts

Debt Resolution     At American CIB, we go to work for you using the power of the Patriot Law Firm to negotiate debt away for your ultimate debt resolution.     The Fair Debt Collection Practices Act (FDCPA), a Federal act, is one of the tools we use during this process. We have found that many times debts are non-collectible because of statute of limitations guidelines as set forth by the FDCPA.     For only $79, our clients receive … Debt validation. Negotiation. Debt Statutes of Limitations Request. Debt Plan Administration. Debt Intervention. Legal Intervention. PLUS Credit Restoration Makeover.     If you are getting harassing phone calls or threatening letters from debt collectors, we can help. We send out letters that end the telephone harassment by collectors.     Did you know that under statutory law many of your current debts may not even be valid, meaning that the creditor cannot make a claim on the debt?     Through responsible debt negotiation, your credit can be improved.     Contact us today to see how experienced attorneys and paralegals will assist you every step of the way! The Fair Debt Collection Practices Act (FDCPA)     The FDCPA has specific guidelines as to how debt collectors can and can’t pursue collection on a debt. One of the ways we can protect

you from being badgered and bullied by debt collectors is by making use of one of the provisions in the FDCPA, through issuing a cease and desist. We want you to have the breathing room you need. Our team of attorneys knows how to safeguard your rights by using the law to protect you from harassment. Debt Negotiation Process We send out letters that end the telephone harassment by collectors. We contact creditors to force them to verify a valid, enforceable contract, including signed agreements, proof of debt owed, proof that they are registered in the state where they are attempting to recover the debt, and several other things - about 10 in all. We also remind them that they have 30 days to respond to our demands or they must remove the items from the credit reports and desist from all attempts to collect the debt. We require them to respond only to us, and only in writing, that they may no longer contact the client. We remind them that any attempt to collect an invalid debt through the mails constitutes mail fraud, etc. In many cases - especially for smaller debts, this is enough to get the debts wiped out entirely. We also require that the credit reports be cleared also. If this in insufficient and the client has some funds to negotiate with, we will attempt to settle the debt for a reduced sum - usually 40-50% of the original principal amount. If successful, we also require them to remove the items from the credit report. If they don't we threaten - and if necessary, file a law suit. We usually provide this service for free if the amounts involved are less than $500-700 which is most often the case with our clients.