Debt Counseling
Many families find themselves in difficult financial situations through little fault of their own – downsizing companies terminate your employment, unforeseen and un-under-insured medical conditions or accidents leave you with debts that you cannot pay on a current basis. Unpaid debts are then referred to aggressive collection agencies or attorneys who make your life miserable with constant phone calls demanding payment. T.D. Knowles & Associates can immediately stop the phone calls, ensure that future collection action conforms to Federal Laws, and attempt to negotiate reductions, forbearances, lower interest rates or restructuring of your debts. In appropriate circumstances, we can help you to decide whether Federal Bankruptcy protection is a wise alternative for you. Where debt collectors have violated the law, we can represent you in actions for damages.