If you are facing insurmountable debt, be it from a credit card, a HELOC Home equity line of credit loan, student loans, or other debt, you have probably thought about filing for bankruptcy?  You have probably thought you have no options.  But, there are options. And Many of them do not involve filing bankruptcy or ruining your credit further.  What is the difference between debt consolidation and debt settlement?

Debt consolidation often involves a licensed company that gathers all your credit card debt and bundles it all together. Then the debt consolidation works with the different creditors to lower your interest rate with each creditor.  Once complete, the borrower pays the consolidation company a monthly amount which includes the monthly fee to the consolidation company for their services, plus the monthly amounts to each creditor.  Paying off the debt could last between 15 to 20 years since the balance is not forgiven.  Rather, the interest rate and late fees are negotiated down.

At the Law Offices of Jacqueline A. Salcines, we engage in debt settlement.  We negotiate the forgiveness of debt with each creditor separately. That means, if you owe one creditor $20,000. we work closely with that creditor to negotiate the payment of the balance due for pennies on the dollar. We work closely with our client in order to preset the most beneficial financial worksheet possible to put you in the best position to negotiate.  Then we get your debt cancelled with either a lump sum payment or payment plan.  This is immediate and the debt is cancelled instead of leaving you with 15 to 20 years of payment

You do not have to file for bankruptcy in order to get out of debt.  New programs exist for mortgage modifications as well as for debt settlement to wipe away credit card debt.

At The Law Offices of Jacqueline A. Salcines, PA, we can assist to Stop debt collectors and:

  1. Negotiate complete payoff of your debt for pennies on the dollar;
  2. Defend your foreclosure suit and negotiate HELOC balances for pennies on the dollar;
  3. Negotiate deficiency lawsuit balance;
  4. Defend credit card collection lawsuits and negotiate with the bank’s attorney in the same case;
  5. Stop garnishments of wages and negotiate sums due.

At the Law Offices of Jacqueline Salcines, PA, our attorneys have over 18 years experience and extensive  knowledge on settling debt, defending lawsuits involving the collection of debt, and getting borrowers back on their feet, without the necessity of filing for bankruptcy.  We are here to help and protect your rights.

Allow us to go to work for you and negotiate your debt.

We offer free phone consultations, and a no cost review of your case. 

Call us today.   305.669.5280 and see how we can help you.

About the Author:

Jacqueline A. Salcines, Esq. is the Owner and Managing Partner of the Law Offices of Jacqueline A. Salcines, P.A. Real Estate and Business Law Group. With over 17 years experience including holding a dual degree in Accounting, her broad knowledge of DEBT SETTLEMENT serves to aggressively protect and defend our firm’s clients.

Call us today to set up a  free consultation to discuss your specific needs. We are here for you!

Main office 305 | 669 | 5280. Or email the attorney directly:


Jacqueline A. Salcines

Jacqueline A. Salcines

TEL. 305 669 5280