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The Legal Debt Cure Debt Reconciliation. Debt Validation and The Fair Debt Collections Practices Act.

The Legal Debt Cure (LDC) was formed to help anyone with financial difficulties and credit delinquencies. We offer a source of relief and peace of mind for people who have an unmanageable amount of unsecured debt and need help. Our process is recommended for people who do not want to file bankruptcy or attempt a debt consolidation and just want to put an end to debt collection abuse and harassment.

The Legal Debt Cure's sole purpose is to provide qualified legal education with the strategies and tools necessary to aggressively defend their clients against a credit collections system that has grown ever more aggressive. In addition, by utilizing our vast network of attorneys known as the Credit Collections Defense Network the Legal Debt Cure is able to provide assistance to our clients nationwide.

How the Program Works

We have provided a couple of audio overviews that explain the process.

1. The Debt Forgiveness Overview. A brief explanation of the three phase of the process.

2. Q and A with our key strategist - General questions and answers with more specific explanation of how Debt Validation works and the laws that are used. Very Informative!

*Click the "Fast Forward" arrow on the audio player to advance to the next track.

LEGAL DEBT CURE PROGRAM OVERVIEW

The LEGAL DEBT CURE Debt Reconciliation Program consists of three phases; each very important to the whole processes success and ultimate completion.

Please read over all the information in this Education Manual very carefully as it is imperative that you follow this exactly as it is written. Any error in the paperwork will delay the overall process and the eventual outcome of the program. Here is a brief and general overview of the LEGAL DEBT CURE Debt Reconciliation Program.

Phase I - Credit Restoration

Credit Restoration begins following your enrolment in our program as specified in the pricing option you have chosen and will continue for 24 months thereafter. Our experience is the vast majority of negatives will be removed from a typical customers credit reports within the first 4 to 6 months of this process, but we will continue to challenge unverified information and monitor all customers’ credit reports for the full 24 months.

Once your paperwork is received at the LEGAL DEBT CURE Support Center, the support team will send your credit restoration application to The Fulfillment Center at the appropriate time. Following submission of your application, The Fulfillment Center will then begin the process of credit restoration with you by contacting you via e-mail.

We think the best understanding and description of the Phase I - Credit Restoration process can be gleaned by listening to the recorded call at 641-715-3900, code 8464. You can also visit The Fulfillment Center website at http://www.tfc2009.info/default.html for more information. Credit restoration is their sole function in our process. Any questions other than credit restoration must be directed to the LEGAL DEBT CURE Support Center only.

Phase II - Reconciliation

Validation and Reconciliation also begins as soon as your enrollment paperwork is processed. The purpose of this phase is to create an administrative record and establish as much information as possible as to the ownership and validity of the alleged debt.

The process works through two levels. First, you send out a series of proprietary letters at specific times to either the original creditor (OC) or the third party debt collector (3PDC) in an attempt to have the OC or 3PDC provide validation of the alleged debt. If they are unable to do so, you demand they zero out your account and mark it “paid as agreed”. Second, these letters are used to expedite the transfer of the account from the OC to the 3PDC at which time our correspondence is used to enhance our compliance audits in Phase Three.

Phase Two usually takes from 3 to 8 months depending on the status of the accounts when the individual enters the program and the speed at which the various OCs and 3PDCs respond to our correspondence.

When you stop paying the creditors, they will begin their collection efforts. These efforts include phone calls and letters. You will have to keep a log of the calls (we will provide you with a form) and fax any collection items or letters you receive in the mail to the Support Center ASAP so we can send you the proper response. The same applies to ALL 3PDCs as well.

Also included in this program is the education and the support documents to aid our Clients against unlawful attacks of third party debt collectors. As LEGAL DEBT CURE is not your attorney of record and cannot represent you in the State court level, the client will use these documents to protect themselves from unlawful attacks, with the goal of preventing State legal action and potential judgments.

The creditors, and especially third party debt collectors, typically violate several laws designed to protect the consumer. To learn more about how collectors work, visit our web site at www.legaldebtcure.com, click on the Education tab at the top and read the articles “How Debt Collectors Work” and “Abusive Debt Collectors”. Also, familiarize yourself with the Fair Debt Collections Practices Act, Fair Credit Billing Act and the Fair Credit Reporting Act found in the Education Section on our web site, as well.

PHASE III - FEDERAL LAWSUIT

The process of using the tool of a Federal Lawsuit begins at the completion of Phase Two. In Phase Three, our paralegal team conducts a compliance audit of each clients account’s of all communications with the creditors. We then use these completed compliance audits to compose a solid Federal Complaint which is then sent on to one of our network attorneys for consideration and filing in Federal Court.

When the assigned network attorney accepts the case, they are retained by you and then handle this matter from here. Our experience is these cases rarely go to trial and usually settle over the phone within 1 to 2 months after the suit has been presented and/or filed.

Summary

The above overview of the three phases of the Debt Reconciliation Program can vary during the process but should remain fairly consistent to the final outcome. The outcome being your credit scores will dramatically improve and your debt resolved.

Again, please read the following instructions vary carefully and do not hesitate to contact the LEGAL DEBT CURE Support Team with any questions you may have in completing the documents enclosed.

By getting off to a good, clean start, we can make this a smooth and successful process and begin getting you back on the road to financial freedom.

Contact us for you free consultation today.