What we do:

At Valor Law Group, P.C., we will act as attorneys and negotiate on your behalf with your creditors with the goal of settling your debt for a reduced amount, in many cases from 40 – 60% of the original debt amount.  We open up a case file and treat it as a legal matter.  We work with our clients to develop an individual strategy and offer advice along the way.  Depending on the clients’ specific requirements, we will draft settlement agreements and releases of liability prior to the disbursement of any funds for settlement purposes.  Bottom line, forensic mitigation is a serious legal matter and we treat it as one.

How we do it:

First, you speak with one of our highly trained debt consultants who will discuss your financial situation with you to determine if attorney-based debt negotiation is the right move for you.  We will provide a short punch list of information to gather and return to our office.  If everything checks out, your preliminary file is created and forwarded to our skilled attorney(s) who will review it from a legal perspective and decide whether to take your case.  If your file is approved, we will then begin crafting a debt negotiation strategy for you and begin the process of settling your debts after you have the opportunity to provide input as to your custom tailored program.  We never assume we can foresee every possible client scenario.

Our clients are often very surprised at the depth and scope of the information that is weighed when negotiating and ultimately settling debt.  There are so many unique circumstances and considerations which arise unexpectedly or are generally unanticipated.  For example, amount, length and current status of the debt, possibility of bankruptcy, consumer litigation, availability of funds, timing issues, creditors involved, and so on.

One of the things which sets us apart from the traditional debt settlement company is that we are attorney-based and we handle your case from a legal perspective.  Attorneys have very stringent ethical requirements, especially accounting and bookkeeping, which they are required to adhere to.  Given this, we provide a comprehensive debt analysis which includes your legal and non-legal options that take into account the client’s individual financial situation.  For example, we can advise our clients what steps to take in the event litigation is needed.  We are comfortable negotiating with law firms (this is oftentimes preferred as we normally have to educate the collectors as to what they can and cannot do under a particular state’s laws).

We can advise our clients to take appropriate measures to protect their assets just in case they need to file bankruptcy, and if that need arises, we will step up to handle that for you as well.   Oftentimes we can assist our clients in pre & post-divorce planning as it relates to your debt negotiation plan.  One of the biggest questions we get is, how do you make money?  The answer is that our fees are earned on a reasonable and affordable legal fee that is custom-tailored to your specific financial situation and disclosed at the time you enroll.  We then amortize it over a set period of time to make it more easily affordable for you, our financially troubled client.  The normal business model for this type of work is a straight contingency, usually 35-40 percent of what is saved.  The normal sales line is something along the lines of “we don’t make money unless we save you money.”  At first impression this sounds like a good deal, but it has been our experience that it ends up harming the client.  The primary reason for this is that some unscrupulous attorneys and non-attorney debt settlement agencies will do as little work possible on your file because they will make more money that way in the end.  The result is generally a worse result for the client and negative consequences.  The way our fee structure is set up, the firm always has an incentive to work hard to achieve settlement as quickly and as low as possible.

Our system is set up to balance the two out.

Ultimately, once we have negotiated the debt we will abide by the clients instructions and either require a legally binding settlement agreement (i.e., contract) before we release the funds or other accord and satisfaction.  Although nothing is bulletproof (never trust those those who guarantee specific results) we will do our best to ensure that the matter is put to rest once and for all and you have legal remedies if the creditor breaches.

We encourage you to check out our FAQ section on forensic mitigation for a list of the common questions and answers.

For additional information, please contact us at (800) 381-6327.