Debt Consolidation Programs

Answer:

I’ve noticed an uptick in the last 30 years of filing bankruptcies for clients, and that is the people walking in the door that are in a fraudulent debt consolidation or debt reduction type of program. There is no legal precedent whatsoever to back up what they claim that they can do. What they really are promising is basically a miracle, some kind of real magic or something like that; it’s not going to happen. That’s why I see these clients after they pay thousands upon thousands of dollars. I’m not talking about a few thousand; I’m talking somewhere between maybe ten and twenty thousand dollars, and they’re going to end up losing that money because these companies cannot do what they promised they can.Additionally, these companies are the longest and furthest places away from Chautauqua County and the neighboring area and that is California, Texas, Florida, or New York City. Who are you going to reach out to get this problem resolved, if you have a problem, when they’re so far away? It’s just not going to happen. You need to be able to go and sit down with somebody if there’s a problem, not have to deal with them over the phone or something like that, so that you can resolve the problem.
If you file with me, I’m right here. I was born and raised in Chautauqua County. I’ve been here my whole life. I’ve been doing this for 30 years, and whatever we do, we’re going to do it right. We care very much about our reputation in this small community, and if you do have a problem, we’re going to sit down and talk about it, and we’re going to fix it.