| |
"I would
like to express my heart felt gratitude for relieving some of the
stress around our home. If all I ever did was to use that script it is
worth it. I am certainly glad we came to you. I can answer my phone
without fear of reprisal from the credit card companies. Amazing what
can happen in only two days! Thanks again for your assistance. "
Mrs. G.
Houston, Texas
|
We have helped hundreds of clients just like Mrs. G.
We
can help you too. Call
713-400-3200 today! |
Which solution below works
best for you?
|
| $20,000 |
balance owed on Credit Cards |
you
pay
$40,000 |
If
paid off diligently by you |
you
pay
$30,000 |
Paid
through Consumer Credit Counseling Services (and results in Bad Credit) |
you
pay
$140,000 |
Minimum
payments over 10 years |
you pay
O to $5,000 |
Negotiated by Consumers Defense |
|
Call Consumers Defense If:
* You are being harrassed by Creditors at home or at work.
* You are being sued by a Creditor
* You are drowning in debt
Your
FREE Consultation will show you how we can help you.
Credit Card Companies conceal from cardholder: |
|
|
Manipulation of Payment Deadlines |
|
|
Manipulation
of Credit Limits |
|
|
Charging
for Unnecessary Services like Credit Protection |
|
|
Illegal
Interest |
|
|
Illegal
Late Fees |
|
|
Illegal
Over-Limit Fees |
|
|
Illegal
Collection Tactics |
|
|
Changing
the Terms of the Agreement without consulting the Card Member |
|
|
"The
goal is to squeeze out enough revenue and get customers to sit still
for the squeeze." Providian Credit Card CEO |
|
| |
They
offer 0% interest rate then ONE LATE payment and your interest rate
BALOONS UP TO 29.9%
|
| MBNA Balance when account closed: |
$20,000 |
Payments:
$400/month for over 19 months: |
7,600 |
| New
Balance: |
$18,257 |
|
| |
| You
Can Never Win This Game That They Created |
|
| Credit card companies invented "No Annual Fee,"
cards, then concealed
illegal $79.00/month charge in bill for "Credit
Protection Fee", a valueless service often not requested by the
Cardholder. |
|
| |
|
|
In Texas, the following
options are unnecessary and to be avoided
when possible
|
|
|
Arbitration |
|
|
Bankruptcy |
|
|
Consolidation
|
|
|
Lawsuits |
|
|
Home
equity loans |
|
|
Almost
100% of debt solutions on TV or the Internet are creditor consolidation
collection agencies.
|
|
|
CCCS
(Consumer Credit Counseling Services) and all "consolidation" agencies,
are merely collection agencies for the credit card companies.
|
|
| |
 |
Mission Statement of The
Hinsley Law Firm:
"To protect consumers from bankruptcy and
help thru creditor - debtor involvement."
|
| |
|
Texas
was settled by Debtors who passed laws to protect Debtors.
Federal Fair Debt Collection Practices Act governs debt collection and
can protect debtor.
|
| |
| |
