Debt Busters

Every day we’re bombarded with television ads promoting debt settling programs and relief programs for unsecured debts.
Column by the team at the Law Office of Adorno-Cunill & Damas, PL | June 22, 2018 | Lifestyle

These ads promise help negotiating delinquent accounts…but do they really work? Some people have said that the debt-relief programs do in fact work and by participating in counseling programs customers are able to catch-up on their finances. People who feel that they can’t meet their obligations may want to seek help. The best place to start is to call the creditor’s customers service number and see if they have any counseling programs or assistance available for delinquent customers. By law, debt collectors must provide customers with a counseling number if available. If customer service doesn’t help, customers may want to consider making an offer to the credit card company in writing. Mail a certified letter to the credit card company and offer what it is that you can pay every month, or alternatively, what you can pay in one lump sum. Remember, all correspondence with the credit card companies should be via certified mail. If you’re still being contacted by the creditor and no help has been offered, you may want to contact a qualified attorney familiar with debt settlements who possibly focuses on bankruptcy law.

› The team at the Law Office of Adorno-Cunill & Damas, PL, is always available for more information on this topic and other areas of law. To schedule a free consultation or to find out how they can help you with your legal problems, call 305.381.9999 or visit

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