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APRIL 2016 NEWSLETTER

Attorney, Daniel R. Gamez
The Gamez Law Firm negotiates aggressively with creditors to significantly reduce our clients' unsecured debts including:


Credit Card Debt

Student Loan Debt  
Medical Debt
Small Business Loans

Home Equity Lines of Credit (HELOCs)
Lawsuit Defense for Debt Collection
Credit Repair 

 
CLIENT SUCCESS STORIES!
 
Our client took out a merchant loan from Bank of the Internet/On Deck Capital for $6,000.00. Repayment of this loan would be $58.10 per month for 126 months. When our client’s business went under, he was stuck with an outstanding balance due of $7,321.00. The debt eventually got sold to CACH, LLC. We contacted them and they agreed to accept $447.37 to fully settle this account. We saved our client over $6,800.00 (approximately 94%) of the amount claimed due.
 
Our client owed Citibank $6,340.00 on two separate credit cards. The accounts were sold to a third party debt buyer, Icon Equities. This turned out to be the perfect time to contact them to get the account settled within 2 days of Icon receiving the accounts. They agreed to accept $2,536.00 in a lump sum to fully settle both accounts. We saved our client $3,804.00 on these two accounts.
 
A client had a very old student loan debt owed to Sallie Mae/Navient. After researching her credit reports, we discovered that default occurred over six years ago. Under California law, Navient had four years from the date of default to file suit to collect on the debt. With this ammunition, I contacted Navient and explained that my client had no intent on paying even one penny towards this debt. Navient is now time-barred from filing suit against her. They can still try to collect informally through phone calls and letters, but she is under no obligation. Every once in a while a client lucks out. Glad to report it happened to a client of Gamez Law Firm!
 
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RECENT BLOGS

Uber, the CFPB & Illegal Student Debt Relief Firms in San Diego


A few weeks ago, I shared an UberPool ride share back to the airport in San Francisco with a complete stranger. Small talk ensued, which led to the inevitable question, “So, what do you do?”  With that, I started my elevator pitch:
 
“I have a unique law practice. I help my clients get out of debt without having to file bankruptcy. I mainly work with individuals that have credit card debt and student loans that they can no longer afford to pay back.”
 
My ride share started to laugh. Before I could ask why, he explained that he is an Examiner with the Consumer Finance Protection Bureau. The CFPB… 

CLICK HERE TO READ MORE
 
Debt Settlement and Taxes Explained
What is a debt settlement? In my debt relief law practice, I negotiate with creditors to significantly lower the total amount of debt that you owe.  The reduced debt that my clients owe once I have negotiated with the creditor can be paid back in a lump sum or over a short-term (2-3 year) payment plan. 
 What are the tax consequences of debt settlement? The first rule in tax law seems to be that everything is considered income. You just have to figure out a way to exclude it... 
 
CLICK HERE TO READ MORE

 


Don't Forget to Check Out Our TWO FREE eBooks!

THE ULTIMATE GUIDE TO CREDIT CARD DEBT SETTLEMENT
and
THE ULTIMATE GUIDE TO STUDENT LOAN DEBT SETTLEMENT

We were thrilled that CNBC, Yahoo Finance, MarketWatch, The Street and more shared our new eBooks! Find out everything you need to know about Credit Card Debt Settlement and Student Loan Debt Settlement in our FREE eBooks. We're excited to release this downloadable content exclusively on our website to help inform you of the options for credit card debt relief.

 



* CELL PHONE HARASSMENT *
If you have been called on your cell phone by companies trying to sell you a product, you may be owed money. Please
contact me for more details. 

The Gamez Law firm is committed to fighting creditors, reducing the total amount you owe, and providing you with a life free of debt through debt settlement.

Call Attorney Dan Gamez today for a free consultation 858-217-5051 or visit gamezlawfirm.com for more information

4225 Executive Square, Suite 600
La Jolla, CA 92037
gamezlawfirm.com
daniel@gamezlawfirm.com
858-217-5051

Copyright © 2014 Gamez Law Firm, All rights reserved.
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