Debt Relief

Is It Time for a Little Help with Debt Relief?

You can save money and time by regularly evaluating your financial situation. It is a good idea to review your finances at least once a month, including looking at your current income, ability to pay bills, and how much savings you have in place. That way, if trouble occurs, you are better prepared financially to take a proactive approach to debt relief, and as early on as you possibly can. Some signs that you need the help of accredited companies include that fact that you are paying bills late, only making the minimum payments required on credit cards and invoices, your credit card is over the spending limit, you are paying bills with money that was intended for other things, you are putting off medical services because you cannot afford them or your accounts have gone to collection. If any of these signs seem familiar, it is time to seek help with professional programs that will help you better manage your finances.

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Debt Relief

How to Find Reputable Debt Relief Programs

Carrying lots of debt can make you feel like you are trudging through life with a black cloud over your head. So, what would you do if you found companies promising to help out with services that would aid your debt relief? Of course, you should go for it! But, carefully research the company first and ensure it is honest, reputable, and has a good reputation, or you could end up in a far worse situation than you are currently in. Businesses that want to help you pay off debt come in several forms. The three most common types are: debt management, debt settlement, and debt consolidation organizations.

The Difference Between Debt Relief Companies

Accredited debt relief companies will usually market themselves in several ways to get you through the door. It is important to understand their different services and programs. Debt consolidation happens when one entity purchases your debt and you repay them over time. Debt management allows a third party to negotiate a lower interest rate and payments on your debts. Debt settlement entitles a third party to negotiate lower balances on your debts. On paper, these options may seem jumbled, so it is important to understand which option would suit your situation best.

10 Things to Know for Finding the Right Debt Relief Services

  • Know your needs for debt relief services
  • Find professional programs to help you 
  • Read the fine print
  • Compare different companies rates
  • Monitor an accredited company’s reputation
  • Get everything in writing
  • Make sure you can comfortable afford the repayments
  • Make sure you understand the different services
  • Ensure the company is reputable and reliable
  • If you find you are in financial trouble, seek help as early on as possible
Call for a Free Initial
Contact our office today to discuss your bankruptcy or family law questions. You can reach us by phone at 610-489-3041 or via e-mail. We will respond promptly to all phone calls and emails, within 24 hours.
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I have dealt with Matt for a few years for a couple of matters for myself and for my mother-in-law. Matt has always been a man of his word; anything he said he would do was done as expected. He provided timely and accurate advice when requested. Matt never pushed services that were not required and at certain times he recommended less costly services that would achieve the same results. I highly recommend him as very honest and ethical. He always disclosed fees in advance and there were never any "surprise" fees.— jimcar13
Mr Nahrgang was easy to work with, and did an excellent job with my case. Though my case turned out to be more complex than we had originally realized, he handled every complication promptly and competently.— eyedoc89
I was first recommended to Matthew Nahrgang by a friend. I was having serious financial issues at the time. I went to Matt and had a conversation which set my mind at ease. He is straight to the point, honest and tells you how it is. No frills kind of guy. He also is confident in his business and knows the law very well, which is what set me at ease. It was not near a big deal as I thought it to be. He does what he says he is going to do and does it in a timely manner. I have used Matt a few times now and I've recommend him to many of my friends and business acquaintances. I highly recommend Matthew Nahrgang!— my1leelee
In relation to my bankruptcy and in retrospect, I was thankful that I had discovered Mr. Nahrgang and had engaged him to respresent me in my case. I found him to be respectful, understanding, highly knowledgeable and trustworthy. I appreciate all that he did on my behalf and have recommended him to friends and family.— Orangefit09
Areas we serve
The Collegeville, Pennsylvania based law firm of Nahrgang & Associates, P.C. represents clients in the counties of Montgomery, Bucks, Delaware, Chester, Berks, Philadelphia, Lancaster, Northampton and Lehigh including the communities of Collegeville, Jenkintown, Doylestown, West Chester, Reading, Media, Allentown, Norristown, Phoenixville, Quakertown, Pottstown, Lansdale, Royersford, Plymouth Meeting, Exton, Conshohocken and King of Prussia, PA.
Our location
Nahrgang & Associates, P.C
35 Evansburg Road, Suite 3 Collegeville, PA 19426
Phone: 610-489-3041
Fax: 610-489-3042