FAQ's

Q. When does My Attorney begin settling my debt?
A. Once you have fully retained services, your creditors will be notified immediately and the law firm will begin the settlement process. However, we can only settle a debt once the full funds are available in your client settlement trust account.

Q. If I miss a monthly payment, will I be dropped from the program?
A. No. Simply call our customer service department and we will arrange payment over the phone. It is understandable that circumstances may arise and we will help you get back on track with your payment schedule.

Q. How do I find out the progress of my debt settlement?
A. You can call us at 800-868-1458, Monday thru Friday from 8am - 6pm PST to speak with a representative.

Q. I have a flexible monthly income. Can I still participate in the program?
A. Yes. Our fees and payment schedule is on a client-by-client basis. We will figure an affordable and simple plan for your unique situation.

Q. Are my creditors going to continue to call me?
A. We notify your creditors of your legal representation and inform them that they should contact us with respect to settling your debt. Most creditor calls will stop within 30 to 60 days. If you continue to get calls, call our customer service department and they will again contact the creditor informing them of your legal representation. In all cases, you should keep a log of all calls you get from creditors with respect to the debt you put into the program.

Q. Will my creditors continue to contact me by mail?
A. Your creditors may also attempt to correspond with you by mail; however, you will then immediately contact the firm and report this correspondence. We will handle all of your creditors and collectors on your behalf.

Q. Will this program have a negative effect on my credit?
A. As in any Debt Settlement Program it is likely your credit will be negatively impacted however, once you complete the program you can begin to rebuild your credit.

Q. Why should I use a law firm  to settle my debts as opposed to handling it myself?
A. While it is true that anyone can attempt to negotiate on their own behalf, we have a team of attorney’s that will be working on your behalf and will not be intimidated by the aggressive and often illegal tactics of collection agencies. This will give you a level playing field when dealing with these creditors that you may not otherwise have.

Q. Who do I call if I have a question about the program or a problem with a creditor?
A. You can speak directly with any account representative whenever you need to discuss a problem or concern.

Q. Do I have to include all of my creditors into the program for settlement?
A. No. We recommend that you keep open at least one credit card. Any accounts that are included in the settlement will have to be closed immediately. Creditors won't settle accounts that are still open. You should keep one credit card open for emergency use only.

Q. How much does this program cost?
A. Our Debt Settlement Program costs are based on an individual basis and are determined by the amount that you owe.  Morgan Drexen Debt Consultant working as an agent for the Law Firm will be able to determine your fees.  Your monthly payment is determined by what you can comfortably afford, and is based upon your level of debt, income, and living expenses.

Q. What if my creditors won't settle?
A. While some creditors may be more difficult than others, the law firm is committed to settling all of your debt.

Q. Will my attorney stop late fees and interest from accruing on my accounts?
A. Morgan Drexen or your attorney cannot stop a creditor from adding interest or late fees to an account. However, your individual program will reflect those fees and/or interest, and is incorporated into the Settlement Program. Because we negotiate the debt down to a fraction of what you owe, your savings are far greater than any interest or late fees that could accrue.

Our well trained staff is available 9:00am – 5:00pm PST to answer all of your questions regarding our program.

Please call 800-868-1458 for more information.