The Debt Consolidation Dump!

Did a debt consolidation, debt settlement, or credit repair company promise to get your debt settled, only for you to end up with a lawsuit in your hands? You are not alone.

Every week, I get calls from hard-working Pennsylvanians who realize too late that these "debt relief"/"credit repair" programs are often a trap. They charge you massive fees (which they call a "dedicated account"), tank your credit score, and when the big debt buyers finally take you to court, these companies disappear because they are not lawyers and often aren't even from Pennsylvania.

The Dirty Secret of the Debt Settlement Industry

Here is the exact playbook most of these companies use—and why it hurts you:

1. They tell you to stop paying. To build up a "settlement fund," they advise you to stop paying your credit cards. This destroys your credit score immediately. 

2. They wait for you to default. Once you default, the original bank sells your account to a 3rd-party debt buyer like LVNV or Midland Funding. 

3. You get sued. The debt buyer doesn't want to wait for the settlement company. They file a lawsuit against you in a Pennsylvania court. 

4. They just stall. The companies settle one or a few, to get your trust, then they just stall on the rest. The other creditors will collect and they simply have no plan. 

4. They abandon you. When the Magisterial District Judge (MDJ) complaint shows up at your door, the debt consolidator will tell you, "Sorry, we can't give legal advice or go to court for you." You are left completely defenseless.

They scramble to settle case, that I COULD HAVE WON! Or, the company sends you template pleadings -- some of these pleadings aren't even useable in Pennsylvania ...That's considered illegal practice of law. 

Why You Need a Debt Defense Lawyer, Not a "Negotiator" Who Isn't a Lawyer

Debt settlement companies have zero power inside or even outside the courtroom. They can only beg the debt buyer to take a little bit less money. (They do the same thing you could do on your own becuase they have no legal power). 

I don't beg. I fight. As a licensed Pennsylvania attorney, I have the power of the court behind me. When you hire Fenters Law Firm, I don't just ask them for a discount. I attack their evidence. I demand they produce a flawless paper trail proving they legally own your debt. Because these debts are bought in bulk, they often do not have the paperwork.

When they can't prove their case to the judge, the lawsuit gets dismissed. You owe them zero. A debt consolidator can never do that for you...Only a lawyer can!

Did your debt program fail you? Let me take it from here.

If you are enrolled in a debt settlement program and just got hit with a lawsuit, do not ignore it. The 30-day clock is ticking. Send me your court paperwork today, and let a real trial lawyer fix this.