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Discover An Honest And Ethical Method For Resolving 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
Shelby Township, MI
Dear Friend,
I have good news and bad news for you. And since I'm an optimist, let's start with the good news.
If you presently find yourself with a debt burden that you need to resolve, the good news is that you do have some options. However, the bad news is that you don't have a lot of options to choose from.
I've been doing this type of work for over 10 years and I've helped hundreds of individuals and small businesses solve their financial problems, therefore I have a pretty good idea of what can and cannot be done to address your outstanding debts
Some of this information may be brand new to you, and some of it may simply confirm what you might already know. Either way, my goal is to sum things up for you so you can make a decision ASAP and take action while you still have the opportunity to do so.
So let's get started. Here's the first question you'll want to answer:
What Are My Options?
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“Your company has demonstrated that you are one of the best in this field by saving me more that $50,000.00 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 highly recommend this company.”
S.C. (teacher)
"It's hard to believe the process we started almost two years ago is now over! Mary and I want to thank you again for helping us lift the enormous burden of debt from our shoulders. The savings to us totaled over $50,000! But besides the actual monetary savings, your professionalism, optimism and encouragement were as big a help to us emotionally as the settlements were financially. You never let a phone call or email go unanswered. Everything you said you would do was done--and exactly when you said it would be. I can't tell you how much that means to us! I would be happy to recommend your services to anyone. Thanks again for everything!"
T.C. (commercial airline pilot)
“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 ove $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)
"I just wanted you to know how much I appreciate the work you are doing for me. With the added financial stress that has come with the unexpected events of first quarter I can't even imagine what shape I'd be right now if you were not there helping and providing a buffer between angry creditors and myself. Having had a bout with cancer not too long ago it is extremely important to control the amount of stress I am under. To say that you and your firm are a life saver may not be stretching the point."
K.G. (business consultant)
“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)
"Hoffman, Brinker & Roberts saved me from financial disaster and many sleepless nights. Without HBR, getting my accounts settled would have been impossible. I tried credit counseling but when my car engine blew up I was sunk. I couldn't afford the credit counseling payments. HBR was able to get my debts reduced and paid off. Thanks for all your help."
M.L. (admin assistant)
"I didn't know what we were going to do! Over $125,000 in credit card debt and not enough money to pay them off. Medical bills and periods of low or no employment had almost ruined us. We had already sabotaged our retirement savings in an attempt to keep up with the minimum monthly payments, but we were still falling behind month after month, year after year. I had the lowest interest rates and continually moved balances around, but we were not gaining any ground. Then I found out about Hoffman, Brinker & Roberts, Inc. Over the past several months you have settled every one of these accounts for us and you only charged a fee when you had a settlement for us. GREAT JOB! You saved us tens of thousands of dollars, not to mention the piece of mind that goes along with being out of debt. Thank you, thank you, thank you!!"
H.S. (independent sales rep)
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There you have it. 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 now, 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 reduction in their overall debt total is all they need to get back on stable financial ground again. 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 they won't accept any less than $0.55-0.60 on the dollar. Every situation is different.
Do you need to hire someone to try and negotiate settlements with your creditors or can you do this on your own? Absolutely you can do this on your own. It's similar to selling your home. You do not need to hire a real estate agent to sell your home. However, if you lack the time, knowledge or expertise to sell your home it's probably a good idea to retain an experienced professional that knows what they're doing.
If you do want to attempt this on your own, 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 better have a thick skin and be willing to persevere...sometimes for several months.
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- You must use different negotiating 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, you need 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 to you that I have negotiated settlements with law firms many times over the years. You just need to have confidence and approach them in the proper 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 might 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 do nothing.
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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 the account go out to a collection agency! Other times you should settle directly with the original creditors before they outsource your account to a collection agency.
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- What if your debt is sold to another company? More and more these days, debts are being bought and sold by various companies and collection agencies. In other words, by the time you actually settle the account the original creditor might be totally out of the picture. So you need to make sure the final settlement paperwork is completely accurate so you are not liable at a later date for a debt you've already settled.
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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 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.-
Although negotiating settlements with your creditors can be an excellent alternative to bankruptcy, it is not without some drawbacks. Therefore, I want to make sure you have the complete picture not just the rosy, best case scenario before you proceed.
The Debt Settlement Process Is Not For Everyone
- If it’s going to take more than about 24 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 we’re not saying it’s impossible to go longer than 24 months, but we know that the statistical likelihood of you successfully accomplishing your settlement objectives is not real good if it’s going to take more than about 24 months to complete the process.
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- No debt settlement company can absolutely guarantee that they can stop all collection calls from your creditors. A good debt settlement company can usually reduce a lot of the collection activity, but you’re probably still going to get some collection calls. This is normal. Remember, creditors aren’t simply going to write off large amounts of debt without at least some collection efforts.
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- No debt settlement company can absolutely guarantee any specific settlement amount, just like no doctor can absolutely guarantee that he or she can cure your illness. Any reasonable person understands and accepts this. In the same manner as a doctor, a good debt settlement company will use tried and tested protocols that consistently produce successful outcomes. But past performance unfortunately is no guarantee of future results.
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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. In other words, you cannot just expect to have your creditors forgive hundreds, thousands or even tens of thousands of dollars and still have a good credit score. Again, any reasonable person understands and accepts this. Therefore, if you want a good credit score, you must pay your bills in full and on time. Period.
In short, there’s no free lunch. As with anything in life, there are positives and negatives. The same is true when you attempt to negotiate settlements with your creditors. If any of the previous 4 items is unacceptable to you, then STOP RIGHT HERE because this approach is NOT 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 your best option.
Here's Why People Hire Us
There are 3 primary reasons why people retain our company:
- They don't have the necessary time to devote to this process. Some people naively think that all it takes is a quick 5-minute phone call to each of your creditors and they'll quickly forgive thousands of dollars of the money that you owe them. I wish it was that easy. Negotiating settlements with creditors and collection agencies usually requires many well-planned phone calls and letters and proposals over a period of several months. To do this right, it just takes time. There's no getting around this.
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- They don't have the skill level or knowledge. Each financial institution and collection agency has it's own policies and procedures regarding settlement of outstanding debts and you need to know what these policies and procedures are to be successful. For a brief summary of the minimum skill level required to successfully negotiate settlements on outstanding debts please click here
- We provide a buffer between you and your creditors. This might actually be the biggest benefit our clients receive. You see, when you hire a respected company that's been in the industry for many years it totally changes the communication dynamic with your creditors. In other words, we could say the exact same thing as you, but the creditor or collection agency would listen to us where they wouldn't give you the time of day. This one element could be the difference between settling or not settling an outstanding debt (or possibly getting sued). I'm not saying this is how things should be, I'm simply reporting how things really are.
Although many people apply to be a client at our office, it is with much regret that we have to reject most of the people that apply. Reason being, most people unfortunately do not meet our minimum criteria for accepting new clients. (These criteria are explained in detail at the time you complete the online application...which, by the way, is very easy to do.)
However, if we are able to accept you as a client that means that the likelihood of obtaining your desired results are high (very high, in fact) because we believe your specific situation exhibits most, if not all, of the critical elements that lead to successful outcomes.
Now, does this mean we can guarantee any specific outcome for our clients? No, absolutely not. All I'm saying is that if we invite you to become a client at our office it simply means that we believe that there is a very high probability we will be able to meet or exceed your expectations, and you'll be very pleased with the final outcome when our work for you is complete.
One Final Word...
At this point in time you’ve undoubtedly given your present financial situation a lot of thought. My goal for the past few minutes has been to provide you with accurate, up-to-the-minute information regarding your various options so you can now make a decision on the best was to tackle your outstanding debts.
But now you’re really going to have to do some hard thinking about how you want the next chapter of your financial future to unfold. Are you going to continue to let the stress of your outstanding debts worry you sick and keep you up at night, unable to focus on anything else? Or are you going to take the bull by the horns and take action toward solving your burdensome debts once and for all?
Remember, nothing will happen unless you decide to do something about your current financial situation. Your debt obligations will still be there when you wake up tomorrow morning. They’re not going away. And your creditors aren’t going to just "forget" about the money that you owe them either. (Down deep, you know this, don't you.)
So it’s your call now. Either continue down the same path or begin taking action to get your financial situation straightened out so you can relax (at least a little bit) and start enjoying life again.
Make no mistake, I know this is a difficult for you. No one ever thinks they're going to have financial challenges themselves. These types of things are only supposed to happen to "other people". But I give you a lot of credit, because many people would just stick their head in the sand and pretend that everything's just fine...when it really isn't.
Anyway, thanks for stopping by. Hope this information was helpful to you. If you're interested in possibly becoming a client of ours please click here
Sincerely,
Mark Brinker
Hoffman, Brinker & Roberts, Inc.
P.S. Would you like to see some actual case histories of people we've helped? If so, please click here This will give you a good idea of the people we help and the problems we solve every day.
P.P.S. Project forward about 6 months from now and imagine how your life (and stress level) would be if we could help you settle your outstanding debts for $0.50 on the dollar or less. Hmmm. Maybe you wouldn’t have to worry so much about how to pay next month’s rent or mortgage payment. Maybe you would sleep a little bit better at night. Maybe you would have enough money to actually buy yourself something for a change. Or maybe???
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