Ask The Get Out of Debt Experts Debt Settlement

I Joined a Debt Settlement Program and Now I’m Being Sued by Target

“Dear Steve,

I have joined Lloyds law firm, a debt settlement company, I thought it was the best thing to do at the time,I was under to much stress at the time when I did this. $274.00 per month for 4 years. However target is sueing me now.

How did this happen? I thought since it was a law firm everything would be taken care of. I was wrong. How do I prevent this again and how do I get out of this. I do not want to be sued again. Can pay the card companies something while the law firm neg. my debts. I need help, I do not know what to do now.”

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I think the program you joined was that from Lloyd Ward & Associates.

Joining any debt settlement program does not prevent you from being sued. Once you stop paying your creditors they can pursue you to honor the contract with them, through the courts.

If you can’t afford to make payments that your creditors will accept, and you can find out the amount of these payments by contacting your creditors, then bankruptcy might be in order.

Under the protection of bankruptcy your creditors can’t sue you, it will stop any current suits and your debt will be discharged. If you don’t know of one, you can click here to find a local bankruptcy attorney and go talk to them for free.

If you decide you want to get out of a debt settlement program you can follow this guide that I previously wrote.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

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READ  Lloyd Ward & Associates - Consumer Complaint - 10-18-2011

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • I am worried that this program isn’t right for me. I owe %16,000. I reviewed the contract and as I read it there are no guarantees that the creditors will negotiate, in the meantime, I cancel with a consumer credit debt management thinking that with this amount of debt a settlement type of situation would be more appropriate. I am sooo confused. Have you ever heard of StartOverToday in California

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