Debt Relief
Mr. Viencek has also achieved great results for his clients in the area of debt relief. As with his injury practice, his debt practice is characterized by major innovation. Most debt relief attorneys are bankruptcy attorneys. Not Mr. Viencek. Although he formerly practiced bankruptcy law and has extensive bankruptcy experience, he now uses that knowledge and experience to help people achieve real, tangible debt relief without having to file bankruptcy. His debt relief practice is devoted to providing people with debt relief exclusively thru non-bankruptcy means, stopping debt collection harassment, and making those that engage in such harassment pay!
These are 3 main debt relief services Mr. Viencek provides:
#1 Debt Elimination Thru Leveraged Debt Settlement
Mr. Viencek helps people completely eliminate debt by negotiating an arrangement whereby his clients pay (in one payment or a series of payments) a small percentage of what they owe in exchange for the lender’s agreement to consider the debt satisfied and release the client from any further obligation on the debt. There is a strong moral basis for debt settlement in light of the unfair, deceptive, and illegal conduct that credit card companies routinely engage in.
A big reason for Mr. Viencek’s success in settling debts is the leverage he brings to the table.
First, he’s an attorney. The overwhelming majority of “debt relief” and “debt reduction” outfits you see on T.V. and the internet consist of non-lawyers and are located in another state. Because they are not lawyers, they have no real power or authority whatsoever to protect your legal rights. They cannot sue a creditor when the creditor violates your rights; they cannot represent you should your creditor sue you; they cannot assert counterclaims against a creditor that sues you; they cannot go to court on your behalf. The fact that Mr. Viencek can do the foregoing and more gives him major leverage that these debt relief/reduction outfits don’t have. Beware that many of these outfits are outright scams, and those that aren’t often only provide marginal relief at best and can end up producing more harm than good.
A second reason for Mr. Viencek’s success is the knowledge and experience he has representing debtors, and the clever strategies and tactics he employs.
Examples of Mr. Viencek’s leverage at work:
- Client owed a large sum of money to a major credit card company. Upon reviewing written documentation the client received from this company and its attorney, Mr. Viencek discovered that the card company and its attorney had violated her rights. Accordingly, he brought a class action. As a result, his client’s entire debt was forgiven and the card company was required to pay her $5,000 in damages.
- Client is sued by a credit card company for $16,514.92. With his client’s back against the wall, Mr. Viencek used his knowledge, experience and reputation to secure a settlement for $3,800 representing 23% of what was owed thereby putting an end to the litigation and the debt.
#2 A Special Program For Those Who Don’t Have The Money Needed To
Settle Their Debts
Mr. Viencek designed this program for those who don’t have the money needed to settle their debts. This fills a big void. Prior to coming up with this program, essentially the only option people who fall into this category had was to file bankruptcy.
Because credit card companies can read this website, Mr. Viencek does not want to provide the details of how this special program works. He will, however, indicate what the program can do for you. For a reasonable monthly fee, Mr. Viencek can:
- Force debt collectors to stop contacting you
- Provide you with specific month to month representation with respect to your creditors and debt collectors
- Set the stage for a possible legal claim against debt collectors whereby they could be forced to pay you money
- Set the stage for possible debt settlement down the road
- Set the stage for possible elimination of your debt with no further payments to your creditors
Mr. Viencek can discuss this further in the context of a free consultation.
#3 Debt Relief Thru Asserting A Debtor’s Legal Rights
Debtors have legal rights just like creditors. In fact, they have more rights than most (including many attorneys) realize. Significant debt relief can often be achieved by asserting a debtor’s rights either proactively or in the context of defending a lawsuit brought by a creditor.
Examples:
- A debt collector engages in abusive or harassing debt collection practices. Mr. Viencek helps the client sue the debt collector under a federal law which requires the debt collector to pay you money damages and your attorney’s fees. Mr. Viencek has helped people in debt recover over $200,000 in monetary damages as a result of these types of debt collection practices. This is an example of proactively asserting a debtor’s rights.
- A foreclosure action is commenced against Mr. Viencek’s client, the homeowner. The client simply needs more time to come up with the money necessary to bring the loan current. Mr. Viencek defends the client in the foreclosure action which buys the client the time needed to to save his home from foreclosure. This is an example of the enforcement of a debtor’s rights thru defensive action.