CCDN Law

What separates CCDN Law from 99.9% of debt settlement firms is that CCDN actually uses a statutory federal complaint as a lever to compel extremely favorable settlements for the debtor. Most "debt settlement" firms follow the DMP plan which has the debtor put money into an escrow account on a monthly basis until it reaches a level that the debt settlement firm feels is enough to negotiate a settlement with the creditor or collector. Well over 90% of people who enter a standard DMP debt settlement program drop out within the first 9 months because in most cases they will either be sued by the creditor or the creditor will charge off the debtors account and sell it to a debt collector who will harass and eventually sue the consumer.

CCDN Law takes the litigious offense against the debt collectors by documenting the multiplicity of statutory violations and then presents the debt collector with a choice to either settle for in many cases a minute fraction of the debt outstanding, or go in front of a jury with the multitude of statutory violations. Most debt collectors do not want to go in front of a jury and explain why they so egregiously violated a consumers rights under the FDCPA, also there is collateral risk of a filed lawsuit by the consumer negatively affecting the debt collectors insurance costs.

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