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JOHNSON LAW GROUP, APC, is a “debt relief agency” as defined by federal law. In
addition to helping people avoid bankruptcy, our services also include helping
people and businesses to obtain relief under the United States Bankruptcy Code.
Johnson Law Group is a multi-state law firm, with offices in Nevada, California,
and Florida, and affiliated attorneys in many other states.
Our purpose is to help those with too much debt select the best alternative for
handling their debt, and then help them implement that solution. We offer the
full range of services for those with debt problems, including Bankruptcy
(Chapter 7 and Chapter 13), Debt Settlement, Debt Management (Consumer
Counseling), Lawsuit Defense – and for those who have been harassed just a bit
too much by their creditors – taking the offensive with lawsuits based on the
Fair Debt Collection Practices Act.
Debt Relief Alternatives
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Do Nothing
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Chapter 7 Bankruptcy
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Chapter 13 Bankruptcy
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Debt Settlement
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Debt Consolidation
Unlike so-called “Debt Settlement Companies,” Bankruptcy Law Firms and Credit
Counseling Agencies, JOHNSON LAW GROUP does not try to fit you into the one
program they offer (regardless of whether its in your best interest). Instead,
JOHNSON LAW GROUP will let you know the advantages and disadvantages of each
approach, and let you make the decision.
DOING NOTHING. If you have no income, (or only
income that creditors can’t touch, such as Social Security) no property to
lose, and do not mind continuing calls from creditors, then DOING NOTHING may
be the option for you. (We don’t make any money if you choose this option – but
if this is in your best interest, we’ll let you know.)
A CHAPTER 7 BANKRUPTCY. If you qualify
for a Chapter 7, you can “discharge” (effectively eliminate) most of your debts
without having to repay anything. Not everyone qualifies for a Chapter 7. Under
the new bankruptcy law, all debtors must take a "means test." The bottom line
is that if your income is above the average for your state, OR if you can
afford to pay more than $100 per month to your creditors after all of your
reasonable expenses are taken into consideration, then you will probably not be
allowed to file a Chapter 7. Regardless of whether they qualify, many people
want to avoid a bankruptcy for their own personal reasons.
CHAPTER 13 BANKRUPTCY is a solution
wherein you make monthly payments to a court appointed trustee for a period of
3 years if your income is below the state median, or 5 years if it is above the
state median. The amount you pay is as much as you can afford to pay – meaning
that your reasonable living expenses are subtracted from your income, and
everything left over goes to the trustee..
A Chapter 13 may be your best option if:
(a) you owe large tax debts that cannot be eliminated by a Chapter
7 and you want to stop the interest and penalties by forcing the IRS to take a
payment plan;
(b) you own real estate that is being foreclosed on; or
(c) you don’t qualify for a Chapter 7 and you want to stop
lawsuits against you.
DEBT SETTLEMENT is for those who can
afford to pay something toward their debts but cannot afford the entire amount;
and for those who do not qualify for a Chapter 7 but do not want the hassle of
a Chapter 13.
DEBT MANAGEMENT (CONSUMER COUNSELING). If
you are current with your monthly payments or just barely behind, a Debt
Management Plan may reduce the current interest rate on your outstanding debts,
reducing you monthly payment and allowing you to pay off your balance over a
much shorter time period.
Make an Informed Debt Relief Choice
When you call JOHNSON LAW GROUP for a free consultation, you will speak with a
Debt Counselor who has been trained by and is working under the specific
instructions of a lawyers experienced in Bankruptcy and Debt Settlement, who
will let you know your alternatives and the advantages and disadvantages of
each.
If Debt Settlement is the alternative you select, your Debt Counselor will help
you fill out an application to begin our program. This will then be reviewed by
a lawyer, who will approve your application only if it appears that you can be
helped by debt settlement and that our program is in your best interest.
The debt settlement services delivered by JLG will be performed either under the
direct supervision of a licensed attorney or in accordance with strict
procedures and policies developed by licensed attorneys.
Debt Settlement Vs Debt Consolidation
Debt settlement reduces the amount of money you owe while debt consolidation
organizes your obligations and streamlines the payment process for you and your
creditors. By signing on with Johnson Law Group you can avoid the long lasting
black mark of bankruptcy and the high cost of extended years of indebtedness
that accompanies debt consolidation.
Historically, Johnson Law Group's debt settlement program has been able to
settle consumer debts for 40% to 60% of the balance. Our program is an
effective way to achieve real debt relief without overpaying on debt
consolidation interest fees. Fill out our FREE
debt settlement consultation form and we will get back to you within 24
hours. Johnson Law Group can help get you out of debt and help you avoid
bankruptcy. However, if bankruptcy turns out to be your best option, we can
help you file and bring your case to a successful conclusion.
What Makes Johnson Law Group Different?
We are a law firm whose services include debt settlement and bankruptcy. Our job
is to analyze your debt situation and provide you with appropriate debt relief
options. We do not hold your money in our account. The goal of our debt
settlement program is to resolve your indebtedness through compromised
settlements or through bankruptcy, whichever is best suited to your needs.
There is a fee for our services, but we only accept clients who have the
potential to achieve significant financial benefits from participating in our
debt settlement program and our fees are figured into the monthly set-aside
amounts to which you and your debt analyst agree. Our program allows you to pay
only a portion of what you owe and helps you resolve your obligations usually
in months rather than years.
Handling Creditor Harassment
One of the most stressful aspects of being behind on your payments is the
constant ringing of harassing phone calls from your creditors. Shortly after
you are accepted into our debt settlement program, we send a letter to all your
creditors directing them to contact us instead of you. If any creditors call
you after that, we will call them to notify them that they should be dealing
with us instead of you.
Many debt settlement programs promise you that they can stop this harassment
immediately. The reality is that neither our law firm, nor anyone else, can
guarantee that creditor calls will ever stop completely. Our experience has
been, however, that we are able to substantially reduce your creditor calls
within a few weeks.
Eliminate Debt Faster Than You Ever Thought Possible
Johnson Law Group's debt settlement program can in most cases reduce your debt
and have you out of debt in 2 to 4 years rather than the decades it would
normally take.
With many debts, especially
credit card debt, our clients have already paid back more than they
originally borrowed, and are now stuck in the vicious cycle of paying off
interest and penalties that have accrued, often over many years. We tailor your
debt settlement program to get you out of debt for the smallest amount possible
and in the shortest time possible.
Customer Service
Johnson Law Group is committed to providing the highest level of customer
service and satisfaction. The success of our service rests solely on the
relationships we build with our clients and with consumer lending institutions.
These relationships are built on trust, understanding, and mutual respect. We
form a partnership with our clients, ultimately leading them on the path to
financial freedom.
Give Us A Call!
Let one of our debt counselors evaluate your financial situation to determine
which of our debt relief options is the best answer for you. You may be able to
avoid a bankruptcy with Johnson Law Group's debt settlement. Please give us a
call for a free consultation with one of Johnson Law Group's debt relief
experts.
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