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The Honest And Ethical Way To Resolve Your Outstanding Debts
That Will Satisfy Your Creditors And Leave You With Your Dignity Intact.
"If You're Struggling To Pay Your Bills
And You're Buried Deep In Debt,
You Might Be Able To Get Substantial
Debt Relief Without Filing Bankruptcy."
Depending On Your Present Situation, You Could Be Eligible For Thousands Or Even Tens Of Thousands Of Dollars Of Debt Relief!
From: Mark Brinker
Clinton Township, MI
Dear Friend,
If you presently find yourself with substantial credit card debt that you need to resolve, the good news is that you do have some options. The bad news is that you don't have a lot of options to choose from.
For the past 15 years I've helped hundreds of individuals and small businesses solve their financial problems without the need to file bankruptcy. Therefore I have a pretty good idea of what solutions are available.
Here Are Your Options
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VIDEO: HowTo Decide
If Debt Settlement Is The
Right Option For You
LATEST BLOG POST:
Credit Card Debt Settlement Strategy: Persistence
“Your company has demonstrated that you are one of the best in this field by saving me more that $50,000 plus the outstanding professional services provided and prompt response for all the questions I had. I appreciate all the services and help your company offered during this critical period of my life.”
A.W. (computer analyst)
“Having a lawyer as a father has made me a skeptical person to say the least. Finding HBR on the internet with the claims of how I could be helped seemed impossible. Going on faith, I trusted Mr. Brinker to help get me the results I was looking for. Not only did he deliver EXACTLY what he claimed he could and in the time frame estimated, he EXCEEDED my settlement expectations! Thanks again!”
M.F. (advertising executive)
“I researched over 20 companies ... and I’m so glad I went with HBR.”
V.F. (teacher)
“... I highly recommend this company.”
S.C. (teacher)
“I was $96,000 in debt and facing bankruptcy! Hoffman, Brinker, & Roberts not only was professional but they saved me $60,192. I settled all my accounts for roughly $36,000! Thanks!”
R.S. (corporate salesperson)
“After single parenting, illness, and accumulating over $48,000 in credit card debt, Mark helped me clear every balance and I am free at last. He and his staff treated me with respect, compassion and trust, his information was supportive, and his estimates accurate. He met or exceeded all our goals and was a buffer against the rudeness of collection agencies. I never had to talk to a single collection agent and he reached settlements that met or bettered my expectations. And after it was finished, he was still generous with his time in explaining and sending me in the right direction to clean up my credit rating. I couldn’t have asked for a better White Knight in reclaiming my life from debt. Thank you, Mark and the staff at Hoffman, Brinker, & Roberts!”
L.L. (psychologist)
“After I lost my job over a year ago and not being able to find work, I found myself behind on payments for too many credit cards. The accounts were ultimately parsed out to credit collection agencies, third parties who did not retain the long standing relationship I had built over the many years of being a satisfactory customer in good standing. I was now dealing with companies that bought accounts at an ultra-low price and worked solely on a basis of profit maximization. These credit agencies were ruthless, showing no mercy with their constant calling and harassment. They were much more skilled in using the phone as a tool against their customers than I. I felt like an “animal in the headlights”, and I could only watch as the accident approached. Even after I found work I was still in serious trouble, and I could see no way out except for going bankrupt. That’s when I ran across information about Hoffman, Brinker & Roberts, Inc. In concert with a home refinance, Hoffman, Brinker & Roberts, Inc. helped negotiate the unsecured debt down to a very manageable fraction of what I originally owed. I was able to pay off all my unsecured debt in short order. More importantly, I finally had some breathing room to re-establish myself. I highly recommend Hoffman, Brinker & Roberts, Inc. for anyone who finds themselves in over their heads with credit. They are a knowledgeable and caring advocate to help negotiate debt away. They have acted professionally throughout the process, have reasonable fees, and act as a trusted agent. Contacting them was the best thing I could have done, and they have helped me realize thousands of dollars reduction in my debts.”
D.B. (analyst for government contractor)
“Thank you very much. You took a complicated financial mess and helped me out of it with my dignity intact. I really appreciate your help.”
B.A. (captain, U.S. Army)
“I just wanted to thank you for all of your hard work at Hoffman, Brinker and Roberts, Inc. When my wife and I first retained your services, we were so distraught about our debt situation. It seemed impossible to overcome. The only solution seemed to be bankruptcy, an option that we really did not want to deal with. Your expert advice and guidance really helped alleviate a lot of pressure as you dealt with our creditors and worked towards several settlements. After a short while the phones stopped ringing from our creditors. We could not be happier with the settlement amounts you negotiated for us. Your professionalism, honesty, and knowledge was a welcomed relief from all of the “get out of debt quick” scams on the web. You really are the real deal in debt negotiation. Many Thanks!”
A. D. (photographer)
“The settlements you achieved on each of our embarrassingly large accounts far exceeded our hopes. More importantly, the dignity and respect with which we were treated deserves our heartfelt thanks. Additionally, your calm demeanor throughout this most trying time went a long way in helping us to cope with the frightening situation in which we found ourselves. Thank you.”
J. M. (delivery driver)
“I wanted to thank you again for all of your help. I don’t know what I would of done without you. The credit card company was really unreasonable to my situation. I didn’t know how to deal with them. I am so glad that you an expert in negotiations with these companies. You saved me several thousand dollars, which is very important to me at this time in my life. Once I talked with you I knew that Hoffman, Brinker and Roberts Inc was the solution to my problem. You were straightforward and honest and never told me anything but the truth. You never promised anything that you couldn’t deliver. That is very refreshing in this day and time when it seems that the norm is “promise everything, take the money, deliver nothing”. After the first time that I talked with you and made the decision to let you negotiate for me it was as if a weight had been lifted from me. When I got anxious you would reassure me which was a tremendous help. You kept me updated all the way as to where the negotiations were. Mark, thank you from the bottom of my heart! I highly recommend your services to anyone who finds their self in my situation!”
J.W. (retired due to medical disability)
"You have no idea what your help and advice has meant to me. I wish that a lot of people out there in trouble could know about your firm. I consider myself very lucky to have found you and that you were on honorable person."
L.B. (office manager)
"My divorce lawyer recommended that I file for bankruptcy. Mark pointed out all the negatives that were associated with that. I was unaware that credit card companies would negotiate debt. I thought the only alternative was debt management. HBR saved me $10,000 in credit card debt. More importantly, HBR helped me move on with my life and start over. MasterCard is not priceless, having HBR deal with the creditors is priceless. I now have the freedom to answer the phone and open the mail without anxiety."
J.F. (physical therapist)
"Mark, you and your team are true professionals. I had no idea that my over 40K in credit card debt could be negotiated and settled for a fraction of the outstanding amount and in such a short amount of time. My goal when I started this process was to satisfy my outstanding debt within 8 months and start rebuilding my credit. Thanks to HBR, I am ahead of schedule. I also just generally feel confident since this burden has now been lifted. Thanks again, Mark!" M.G. (sales manager))
“Your personal sensitivity and professional manner enabled me to navigate a difficult financial problem with dignity and solid monetary results. Thank you for all the time and attention you gave to my situation. I would still be buried in debt were it not for your guidance and skill. Thank you.”
P.L. (photographer)
More testimonials >>
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Those are your choices. That's it. Short of winning the lottery, there simply aren't any other magical solutions for resolving outstanding debts.
For the moment, let’s focus on option #5 since that has been my area of expertise since 1995.
Would A Debt Reduction Of 40-60%
Solve Any Of Your Financial Problems?
For some people, a substantial reduction on their outstanding credit card debt is what they need to survive financially. For others who are already too far in the hole financially, no amount of debt relief would help and bankruptcy might be the only realistic option.
Keep in mind that settlements are only available on unsecured debts like credit cards, medical bills and department store cards. Things like mortgages, student loans, alimony and child support fall into the category of secured debts and there is usually not much that can be done with these types of debts.
There are many factors that dictate what creditors will or will not accept to settle outstanding debts. Depending on your situation, one or more of your debts might be settled for as little as $0.30-0.35 on the dollar. Or it's possible that some of your creditors might be difficult to deal with and won't accept any less than $0.55-0.60 on the dollar. Every situation is different.
If you do want to attempt settlements for less than full balance on your outstanding credit card debt, here are 10 things you absolutely need to know:
- Settling debts is not always about what you know, but often who you know. Getting to the right person and avoiding the uncooperative people can make all the difference between settling and not settling.
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- Creditors and collection agencies are not usually going to write off hundreds or thousands of dollars without a fight. So you have to have a thick skin and be willing to persevere...sometimes for several months.
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- You must use different strategies with different financial institutions and collection agencies. What works with one, will usually not work with another. In fact, your approach with one company could trigger a lawsuit with another company. It's true.
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- Creditors routinely threaten litigation. Most of the time they're bluffing, but not always. So how do you know whether the threat of a lawsuit is real or just a bluff? We’ve discovered that past performance of a creditor or collection agency is the biggest determining factor. Therefore, it’s extremely helpful to know the “profile” of a particular creditor or collection agency to determine if the threat of a lawsuit is legitimate.
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- What if one of your accounts is referred to a law firm? Does that mean for sure you’re getting sued? Not necessarily. Although I am not an attorney, I am able to report that I have negotiated settlements with law firms many times over the years. You just need to have confidence and approach them in the correct manner.
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- You'll need to know what constitutes a good settlement offer and what’s not a good settlement offer. For example, a 50% settlement offer might be the best offer you'll ever see with one particular creditor and you should definitely accept the offer. Then there are other creditors that routinely settle for 30-35% of the outstanding balance. The key is knowing when to accept a certain offer versus holding out for a more favorable offer.
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- Sometimes temporarily doing nothing is the best negotiating strategy. Other times doing nothing will backfire on you and you'll miss a good settlement opportunity or possibly get sued. The key is knowing when to take action and when to be patient.
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- Should you attempt to settle directly with the creditor or let the account go out to an agency? Believe it or not, there are times when you are better off by letting an account go out to a collection agency. Other times you should definitely settle directly with the original creditor before they outsource your account to a collection agency.
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- What if your debt is sold to another company? Credit card companies sometimes sell accounts to debt-purchasing companies. These debt-purchasing companies sometimes handle the account in-house and other times they outsource collection of the account to a collection agency. So it can get a little confusing at times. Therefore you need to make sure the final settlement paperwork is completely accurate and demonstrates what company actually owns your debt so you are not liable for the remaining balance at a later date.
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- What about settling liens and judgments? Yes, it is possible to settle outstanding liens and judgments for less than what is owed. But the strategy is slightly different than if you were simply attempting to settle an outstanding credit card debt that was not already converted to a lien or a judgment. You'll also need to make sure the proper paperwork gets filed at the courthouse after the settlement is finalized.-
Negotiating settlements with your creditors can be an excellent alternative to bankruptcy, but it is not without some drawbacks. Therefore, I want to make sure you have the complete picture before you proceed. (Not just the rosy, best case scenario.)
The Debt Settlement Process Is Not For Everyone
- If it’s going to take more than about 12-18 months to negotiate settlements with your creditors, bankruptcy might be the better way to go, and you might want to consult with a bankruptcy attorney instead. Please understand I’m not saying it’s impossible to go longer than 18 months, but it is known that the statistical likelihood of you successfully accomplishing your settlement objectives is not real good if it’s going to take more than about 12-18 months to complete the process.
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- It is impossible to stop all collection calls from your creditors. As much as I hate to say it, creditors are legally entitled to contact you about outstanding debts. Creditors are not simply going to write off large amounts of debt without at least some collection efforts. Unfortunately there is no magical way to force a creditor to stop calling you if you legitimately owe them money.
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- No results are guaranteed. Any reasonable person understands and accepts this. Past performance does not guarantee future results. But if you know what you’re doing the odds of achieving your desired outcome are actually pretty good.
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- Your credit score will be adversely affected. This is the trade-off for your creditors writing off a substantial portion of the debt that you owe. You cannot expect to have your creditors forgive hundreds, thousands or even tens of thousands of dollars and still have a good credit score. It just doesn’t work that way. Any reasonable person understands and accepts this.
In short, there’s no free lunch. As with anything in life, there are positives and negatives. If any of the previous 4 items is unacceptable to you, then STOP RIGHT HERE because attempting settlements with your creditors is not the right option for you.
On the other hand, if you acknowledge and accept these potential drawbacks in return for substantial debt relief without the need to file bankruptcy, then negotiating settlements with your creditors could very well be the best solution for you.
Here’s The Next Step ...
The next step is to determine whether or not the settlement approach is truly the right solution for you. To assist you, I’ve put together a free online video series where I candidly discuss both the benefits and drawbacks of the debt settlement process in detail. The videos will systematically walk you through the thought process to either rule in or rule out debt settlement as the right option for you.
Maybe you have just begun your research on this topic or maybe you’ve been scouring the Internet for weeks or months trying to find a solution to your financial dilemma. Either way, I strongly recommend you watch theses videos before doing anything else. You’ll be glad you did.
Thanks for stopping by.
Mark Brinker
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