Services
Practicing Law since 1993
Our Practice Areas
Each person’s financial concerns are unique and require focused, individualized attention. Whether you need debt relief, assistance to avoid foreclosure, help with bankruptcy alternatives, or any other debt-related problem, Zero Balance Associates and our certified debt relief specialists are here for you. We take the time to explain the important details of your situation and structure a personalized course of action that will be most beneficial for you.
Business Debt Relief
Explore our array of debt restructuring, debt settlement, lawsuit defense, and bankruptcy options tailored to your business's needs. We are committed to providing the most competitive fees in the industry, ensuring that you achieve debt relief without additional financial burden.
Debt Collection Lawsuit Defense
Recently sued, dealt with past lawsuits, or are facing a bank levy, property lien, or wage garnishment from an old judgment, we provide comprehensive solutions. Our services include lawsuit settlements, defense litigation, vacating default judgments, and tailored bankruptcy options to resolve your legal and financial challenges effectively.
Consumer Debt Settlement
If you're experiencing financial hardship and are past due on creditor payments, our No Upfront Fee Debt Settlement service offers a solution. We specialize in reducing your outstanding balances, aiming to eliminate debt in as quick as 1 to 60 months. Instead of just lowering interest rates, our approach focuses on significantly reducing your total debt burden.
Timeshare Cancellation Service
If you've bought a timeshare under false pretenses or can no longer afford it despite failed resale attempts, our specialized timeshare cancellation services offer relief. We help eliminate timeshares, freeing you from financial obligations with tailored solutions from certified debt relief experts.
Tailored Home Debt Relief Solutions
Whether you're looking to retain your home or transition out smoothly, we provide tailored solutions. Our services include debt relief loans, loan modifications, principal reduction, short sale negotiations, and deed in lieu of foreclosure options. With a wealth of expertise in achieving financial stability, our law firm is equipped to resolve your home financial challenges effectively.
Foreclosure Defense
If you are already facing foreclosure, our foreclosure defense lawyers specializing in debt relief loans and financial stability can help you avoid foreclosure starting today. Our foreclosure defense attorneys not only buy you time but also empower you to fight back against your lender, ensuring effective debt relief and potentially saving your home.
Fair Debt Collection Violation Lawsuits
The Fair Debt Collection Practices Act (FDCPA) governs how third-party debt collectors are allowed to communicate with you. When these debt collectors violate this law as they often do, we can make them pay – literally! You can get paid up to $1,000 and if we don’t win – we don’t charge you.
Student Loan Relief
If your grace period has ended, you've fallen behind on loan payments, or face default and legal actions from collectors — we specialize in debt relief solutions. Achieve financial freedom through our comprehensive services including debt management strategies like consolidation, deferment, forbearance, debt settlement, forgiveness, cancellation, discharge, and bankruptcy options.
Small Business Debt Collection
Whether you require business debt relief or need assistance with unpaid invoices, we specialize in comprehensive debt collection solutions. Our services include Accounts Receivable Management, Pre-Lawsuit Debt Collection, Collection Lawsuits, and Post Judgment Enforcement. You've earned your money through hard work—it's time to ensure you get paid for it!
Debt Consolidation
If you're managing your debt payments well with good credit or collateral, consider consolidating your debts into a single loan at a lower interest rate. Our network of lenders offers debt relief services including debt settlement and debt management solutions. We specialize in providing effective debt relief options to help you achieve financial stability.
Debt Management & Counseling
Experiencing financial hardship without falling too far behind on payments? Consider a Debt Management Plan (also known as Consumer Credit Counseling) for debt relief. This plan consolidates your debts into one monthly payment at reduced interest rates, helping you become debt-free in 4 to 7 years. It's a structured approach to achieve financial stability while managing your debts effectively.
Personalized Debt Solutions
When debt becomes overwhelming, finding the right solution is crucial. We offer tailored debt relief options including debt consolidation, debt settlement, and credit counseling. Whether you're seeking to reduce debt through negotiation or find alternative bankruptcy solutions, our experts are here to guide you toward financial stability.
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