Why it is important to discuss your case thoroughly with your attorney

important to discuss your case thoroughly with your attorney

It is important to thoroughly discuss all aspects of your case (even those which you think are simple) with us before deciding which parts you want to do yourself and which ones the attorney will assist you with. It is equally important to realize that there may be important issues presented by your case that you aren’t even aware of. You could be at serious legal risk about an issue you don’t even realize exists. If you don’t discuss them with your attorney, how will you know?

Never make assumptions about the law which applies to your case. The law shows you’ve seen on TV are rarely accurate, and just because you’ve “seen it on TV,” doesn’t mean it is correct or even “legal.” The only way you know this is to talk it over with a qualified attorney.

Sometimes new issues will pop up after your case is started. If they do, it is important to advise your attorney and discuss them, so that you know the potential legal consequences to you. Remember that your attorney can only advise you on matters you tell him/her about, so it is essential that you provide complete information about your case. Remember, you and your attorney are working as a team. That means good communication and a clear understanding of each person’s assignments is essential.

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Debt Settlement FAQ

Debt Settlement FAQ

What is the difference between Debt Consolidation and Debt Settlement?

Debt Consolidation and Debt Settlement are sometimes heard interchangably, but they are not the same thing. At Wright & Associates, we use a proven Debt Settlement process to work with creditors on your behalf to actually settle the full balance you owe to your creditors for a reduced amount whereas debt consolidation requires you to pay off your debt in full, usually at a reduced interest rate.

Is my credit report adversely affected by enrolling in a debt settlement program?

You may experience an adverse effect on your credit if your debts are current with no history of late payments, but this is not the typical situation for most of our clients. While our program can initially impact your credit negatively, in most cases, our debt settlement program with time, will improve your debt-to-income ratio and your FICO score will improve over time.

How long does each settlement take?

The amount of time you are enrolled in our debt settlement program actually depends on the amount of funds you have available to pay off your creditors. During your consultation, you will establish an affordable monthly payment that will determine how long it will take to settle with all your creditors.

Is my debt information kept confidential?

We are 100% committed to maintaining complete confidentiality. Your information will not be released to anyone except those persons authorized by you to receive information on your behalf. Of course, the creditors will be advised by us that you have contracted our service to assist you.

When I enroll in the program, what will happen to my accounts, can I still use them?

Once you enroll in our program you are not able to use your accounts.

Will I be able to track the progress of my debt settlement program?

Of course. You can call us to check in regarding the status of your account. You will also receive monthly reports that will keep you informed of the activity on your personal settlement account.

Debt Settlement

Who pays the creditors while I am enrolled in the debt settlement program?

Payments will be made from your settlement savings account when we reach agreement with your creditors and there are sufficient funds accumulated.

What if my creditors won’t settle?

This is a very unlikely situation, in that creditors know that if they do not settle accounts, even for a fraction on the debt, they will likely not receive any payment on the account whatsoever. In the unlikely event that a creditor will not settle with our offer, they will return with a counter offer that will still be favorable to you.

Do I have to include all of my creditors into the program for settlement?

You should keep one credit card open for emergency use only and to help strengthen you credit rating once you have finished the program.

Will late fees and interest still accrue on my accounts?

It is not possible to stop a creditor from adding interest or late fees to an account. However, your personalized program will reflect those fees and/or interest, and is incorporated into the Settlement Program. Even if fees are added, we negotiate the debt down to a fraction of what you owe so your savings are much greater than the addition of interest or late fees.

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The Key to Resolving Disputes Economically and Efficiently

Key to Resolving Disputes Economically and Efficiently

What Is Mediation?

Mediation is an alternative method of resolving family law matters. Mediation is a form of alternative dispute resolution (ADR) that, in many cases, is a faster, less expensive, and more effective method of resolving a dispute. In mediation, the parties have the opportunity to make choices together that make sense for them, instead of having a judge, who is a stranger to them and their problems, decide their fate. It is a method of resolving disputes in which neutral third persons (mediators), who have no decision-making powers, assist parties in seeking their own settlement of issues in dispute. In difficult situations like divorce, mediation is often a better option for children because it allows the parties to reach an agreement on child custody and child support without the stress and drama of a divorce trial. By making these key decisions together, both parents are more likely to be supportive of their parenting arrangements and often are more willing to communicate for the benefit of their children.

However, mediation isn’t just for settling divorce disputes. It can also be used as a preventative tool to avoid future conflicts. Mediation can be used in crafting a prenuptial agreement, resolving a landlord tenant dispute, a contract dispute or a whole host of other types of conflicts.

Do Any of these Situations Apply to You?

  • No matter how you’ve tried, you and the other opposing party cannot settle a dispute on their own.
  • You want to have some say in the outcome of the dispute.
  • You really want to solve the problem, but need help.
  • You want to maintain a working relationship with the other person.
  • Both you and the opposing party are willing to use the assistance of a mediator.
  • You and the opposting party want a private, voluntary, convenient, empowering way to solve the problem.

What happens during the mediation?

Mediators meet with all parties to discuss the nature of the dispute. The mediators may then hold private sessions with each party to hear a personal perspective. Coming together again, the mediators help the parties to identify the issues in the case, and move to areas of common interest where problem-solving can occur. When a mutually acceptable agreement is reached, the parties may choose to write it up.

What happens when an agreement is reached?

The agreement is signed by the parties and by the mediators. A copy is given to each party and a copy is kept on file by the program. If a copy of the agreement is required by the Company, that information must be shared before the mediation is held. If the agreement is not honored, parties may request a second mediation session.

What happens when an agreement is not reached or fulfilled?

The parties retain their rights to pursue the matter through the usual company procedures, through legal channels or non-legal channels. Upon request, the Program Coordinator will help the parties to identify other appropriate community resources.

Who Will Mediate My Case

Who Will Mediate My Case?

Family law and divorce attorney Ellen Anna Wright is a strong proponent of mediation in the family law context. At her Tewksbury, Massachusetts, practice, clients utilize mediation to settle disputes involving everything from divorce to custody matters. As a mediator, Attorney Wright serves as a neutral, non-judgmental third party to all sides of a dispute.

Legal matters that affect your home and family are extremely personal. When you seek legal help with a family law issue, you need personalized service and one-on-one attention. In addition to personal and confidential communication, cost-effective legal services are also important — especially in today’s turbulent economy.

If you live in Tewksbury or anywhere in Massachusetts and are experiencing family law issues, call on our office.. By offering the services of an experienced family law mediator and attorney, we can help you choose the method of conflict resolution that best fits your specific circumstances.

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