Q. If I miss a monthly payment to Consumer Lawyers of America, will I be dropped from the program?

A. Not necessarily. Simply call our Customer Service Department five (5) business days prior to your payment date and our Customer Service Department and we can frequently make alternative arrangements with you. It is understandable that circumstances may arise and we can help you get back on track with your payment schedule.

Q. How do I find out the progress of my settlements?

A. You can call us Monday through Friday from 9 a.m. to 5 p.m. Eastern Standard Time at 888-600.9723, to speak with a Customer Service Representative.

Q. Will I pay my creditors directly while in the program?

A. That decision is up to you. Consumer Lawyers of America cannot tell you to stop paying your creditors, but this does weaken the chance of settling your accounts at the estimated forty (40%) percent.

Q. Are my creditors going to continue to call me?

A. We will determine who and when to contact to give any information and negotiate your accounts. It might be that the individual creditor representative who is calling you is not in the right department to settle any accounts. ALWAYS answer the phone and document the callers' name, company they are calling from, the last four digits of the account in question, and their call back number on the creditor call log.

Q. Will my creditors call me at work?

A. Your creditors may attempt to contact you at work; however, once you verbally asked them to refrain from calling you at work, they are obligated to stop. If a creditor persists, we will refer you to the State Attorney General's Office and to the Federal Trade Commission.

Q. Will my creditors continue to contact me by mail?

A. Your creditors may also attempt to correspond with you by mail - this is allowed. If you receive any correspondence from your creditors, please forward it to Consumer lawyers of America Keep in mind that your creditors are also sending copies of correspondence and statements to our office as well.

Q. Will this program have a negative effect on my credit?

A. Yes. All debt management programs, such as, Consumer Credit Counseling, Debt Consolidation as well as Debt Settlement have a negative effect on your credit. However, with our program, once your individual accounts are negotiated and settled, we request your creditors to report these accounts satisfied and in good standing. Furthermore, we at Consumer Lawyers of America offer a Credit Correction Program to dispute all other negative information on your credit reports.

Q. Why should I use Consumer Lawyers of America to settle my debt instead of handling it myself?

A. Our team of negotiators has extensive experience and knowledge in negotiating debt. We have an impeccable relationship with creditors and collection agencies, which are usually unwavering in negotiating with the consumer directly. Furthermore, we have knowledge of both the Fair Debt Collection Practices Act (FDCPA), and the Fair Credit Reporting Act (FCRA) to assist in protecting your rights under these laws.

Q. Who do I call if I have a question about the program or a problem with a creditor?

A. You can call us Monday through Friday from 9 a.m. to 5 p.m. Eastern Standard Time at 888-600.9723, to speak with a Customer Service Representative.

Q. Do I have to include all of my creditors into the program for settlement?

A. No. We recommend that you keep open at least one credit card for emergency purposes. Any accounts that are included in the program will have to be closed immediately. Creditors will not settle accounts that are still open. Please be sure that the card you keep out of the program does not have the same issuing banks as any included in the program. This may negatively affect our negotiating power on that particular account.

Q. What if my creditors will not settle?

A. Creditors know that if they don't settle even for a fraction of the debt, they will most likely get nothing. Creditors know that at a certain point, they have to take what they can get! Most creditors are willing to settle very quickly. In the rare event that a creditor will not settle with our offer, they will return with a counter offer that will still be favorable to you. Creditors know that if you choose bankruptcy, then they will receive absolutely nothing, and that is what your creditors are trying to avoid.

Q. Will Consumer Lawyers of America stop late/over-the- limit fees and interest from accruing on my accounts?

A. We cannot stop a creditor from adding interest or late/over-the-limit fees to an account. However, your individual program will reflect those fees and/or interest, and is incorporated into the settlement. Because we often negotiate the debt down to a fraction of what you owe, your savings are usually far greater than any interest or late fees that can accrue.