 I. During your initial call to our firm you will speak with an advisor. The advisor, under supervision of our attorneys, will work one-on-one with you reviewing your debts and helping you determine if a debt settlement program is the right solution for you. During this confidential review, the advisor will explain the forms you need to complete and sign in order to retain our legal counsel. Please have available the following documents:
- Credit Card Statements
- Monthly Bills (rent, electricity, gas, etc.)
- Banking information (savings, checking)
II. Complete and return the required documentation and agreements to your advisor; one of our attorneys will review your case to insure you are fully qualified for the settlement process.
III. Once enrolled into the program, each of your creditors are notified that you are being represented by Bay View Law Group and reminded that federal law as well as the rules of the legal profession require the creditors and attorneys cease contact with you and instead direct all communications to our firm. Once you have retained our firm, you are required to keep a journal and to make an entry each time a creditor calls you.
IV. Working with your advisor, you will determine the monthly payment that will comfortably fit into your budget. These funds are drawn from your account monthly via ACH and your escrow account builds after month number four.
 V. We will communicate on a regular basis with your creditors, notifying them that you intend to pay as much as you can afford toward your debt. The settlement teams expertise allows them the lowest possible amount the creditor will be willing to accept as a discounted settlement. The actual negotiation occurs when sufficient funds are available in your escrow account to complete a settlement with a creditor based on all of our communications between you and our contact with the creditors. Once the settlement is reached, the funds are drawn from the escrow account and paid to your creditors directly.
VI. The process continues. The Law Firm continues to negotiate with the remaining creditors until your total debt is resolved.
VII. If at any time during the process it appears that a bankruptcy may be a better alternative for you, then you will be contacted by our bankruptcy department.
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