New Mexico Debt Relief, Consolidation and Settlement Company
Golden Financial Services recommends debt validation and debt settlement as the best New Mexico debt relief programs. These are the least expensive plans to resolving debt in some cases. Debt validation challenges the legal authority of a third-party debt collector’s right to collect on an alleged debt. The debt collection company must abide by several federal laws such as the Credit Card Act and the Fair Debt Collection Practices Act. These laws and rules require debt collection companies to maintain certain documents, accurate records, licensing and much more.
Not all people in New Mexico are aware of the different laws that protect their consumer rights. Considering most people are not lawyers, makes this point understandably expected. Debt validation provides people the strength to be able to counter attack and ensure that they are not being taken advantage of by debt collectors or having their information inaccurately reported.
A legally uncollectible debt is one that you don’t have to pay, despite the empty threats that the debt collector may throw at you. You pay a fee, and your debt gets challenged. There is a money back guarantee included.
HERE IS AN EXAMPLE LETTER, ILLUSTRATING A SUCCESSFUL DEBT VALIDATION CASE:
If the debt collection company proves the debt to be valid, debt settlement would be the next plan for action. Debt settlement is another hardship program. New Mexico consumers can use this type of program to reduce and pay off a debt in a quick time-frame. With debt settlement, often your account balances can be reduced by 50%, not counting company fees. Learn more about debt settlement here.
How to get help with debt if you live in New Mexico. Simply, start by either filling out the form above where it says “Get Your Debt Quote” or call 866-376-9846 to speak with a debt expert.
What happens during a consultation? A consultation is purely informational. If you decide to move forward with one of the programs, then we can get you signed up or referred over to the right department.
How fast does it take to get approved for a New Mexico debt relief program? You can be approved within 24 hours or less.
How long does the program take to finish? You can graduate the programs within 18-42 months, depending on your situation and budget.
Can I get sued? It is rare for a client to get sued, but it could happen. If it does, the debt can still be settled.
Can I be current on payments and still get approved for a debt validation or settlement program? You can be current on your accounts if you have a hardship and are unable to stay current.
Is the program anything like bankruptcy? Our programs are the solution to avoiding bankruptcy, so no, this is not a bankruptcy or anything like it. We don’t recommend or promote bankruptcy unless you have no other options.
Can I rebuild my credit? Credit can always be rebuilt. However, it is most difficult to rebuild credit with a bankruptcy on it.
How much can I save on the program? Results vary, but clients who complete making all of their scheduled payments will pay less than the balance owed in most cases.
Any guarantee of results on the program? There is a guarantee included in the program ensuring if you don’t get results, you pay nothing on that account.