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How Does Advocate Credit Attorneys Work to Eliminate My Debt? – Richard

“Dear Steve,

I have 8 credit cards that I would either like to combine payments(consolidate) to reduce my total monthly payments and also lower or reduce the monthly interest. Better yet, I would like to explore sometype of lump sum settlement with some of them at a lesser amount than is owed(cents on the dollar) to reduce my debts. Why, because I am in my 70s and have heart disease.

I have recently contacted Advocate Credit Attorneys in Tampa, FL., but I am not sure that I understand how their system works or how they get paid. Are they reputable? Do they have any complaints or lawsuits pending with the BBB, Courts, etc.? Exactly how does their system work. Thus, I need advice.


Drive Carefully

Dear Richard,

I could not locate a company called Advocate Credit Attorneys. Maybe the name is a bit different that what you gave me. If you have a website, telephone number, and/or street address I can look them up that way.

The approach to take to eliminate your debt is really dependent on your assets and income. If you are living off of Social Security or some protected retirement funds and have little in the way of assets, then I’d question if a repayment plan makes sense based on your age, health, and assets.

My other concern would be if this program they were selling you charged you fees for services in advance or only when a debt was settled.

To better understand debt settlement you might want to read Debt Settlement Pros and Cons. My No BS Guide to Settling Your Debt.

While I wait for you to post an update in the comments below, here is some good general advice.

I’d suggest you first read How to Get Out of Debt. The Honest and Unvarnished Truth, How Do I Get Out of Debt Quickly? Change Your Mindset, and The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. They will give you a great overview of what we need to deal with to get you moving in the right direction.

Then use the free How to Get Out of Debt Calculator to review your options.

Once you’ve identified a company you want to work with, then follow my step-by-step guide on what you should look for and expect from a good debt relief company.

Please post your responses and follow-up messages to me on this in the comments section below.

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About Steve Rhode

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.
  • Pete

    Steve, I believe Richard above was talking about “Credit Advocates Law Firm LLC”. I could be wrong but my wife was also thinking about using them to. I was skeptical and told her I wanted to investigate before she signs any paperwork. They are not registered with the BBB and one of the employees of the above business said it was because they did not profit from being with the BBB. I told the gentleman, of Credit Advocates Law Firm that I wanted to do some research with the Army JAG, (attorney’s), Legal, and find out more about them before I sign anything and he started asking me why I was upset. I just don’t want to get scammed. I have already read some negative reports about Credit Advocates, not sure if they are the same company or law firm, people wondering where there money is going. One customer was defending them that they take there fees up front. Please advise your readers, including me. Thanks. Pete

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