Fight Back Against Debt Settlement Companies
Were You Misled By A Debt Settlement Company? We Can Help You Get Your Money Back.
- 100% Confidential
- No Recovery, No Fee
Schedule Your Consultation Now
Has a debt settlement company made your financial situation worse instead of better?
- Did they charge excessive fees while doing little to help?
- Are you facing more debt now than when you started?
- Did they make false promises about settling your debts?
- Were you pushed into a payment plan that only benefited them?
You don't have to face this alone. We are experienced in dealing with debt settlement companies operating in New Jersey.
How We Help New Jersey Residents Fight Back
At the Law Office of Edward Hanratty, we help consumers recover money from deceptive debt settlement and credit repair companies. These companies often promise financial salvation but leave you in a worse position than before.
We Can Help If:
You paid for services that weren't delivered
The company charged fees before completing promised work
They made false claims about what they could do for you
They are not a nonprofit business
They charged you more that $15.00 per month in fees
They charged you a fee based on the amount of your debt
Your Legal Rights Against Debt Settlement Companies
- Recover the money you paid them - Every dollar you paid could be returned
- Pursue additional damages for harm to your credit and financial standing
- Hold them accountable under federal and New Jersey state laws
- Pay nothing unless we win your case
Legal Protections
On Your Side
We build strong cases using multiple legal approaches:
Breach of Contract
When debt settlement companies don't deliver what they promised, we hold them to the terms of their agreement with you.
Fraud Claims
If a company intentionally misled you about their services or capabilities, they can be liable for fraud.
The New Jersey Debt Settlement Law
New Jersey law strictly regulates how debt settlement companies must operate, including prohibitions against:
- Limiting fees charged
- Making false promises about results
- Failing to provide proper written contracts
Real Results For Our Clients
We have recovered thousands in improper fees and charges for our client. The amount recovered depends on the amount you lost to the debt settlement company. When there is a recovery, the victim can be awarded up to three times what was lost.
Free Consultation
No Recovery, No Fee
Don't wait until your financial situation gets worse. Contact us today for a confidential consultation about your case.
We'll review your situation and explain your legal options at no cost. If we take your case, you pay nothing unless we recover money for you.
About Law Office of Edward Hanratty
We have been recovering money for our clients from debt settlement companies for years. Serving clients throughout New Jersey from our offices in Freehold, New Jersey.
Serving clients throughout New Jersey from our offices in Freehold, New Jersey.
Frequently Asked Questions
If a debt settlement or credit repair company charged you money but failed to deliver on their promises, you likely have a case. Common signs include paying fees without seeing results, being in a worse financial position, or discovering they made false statements to you.
We work on a contingency fee basis. This means you pay nothing upfront, and we only get paid if we recover money for you.
Every case is different, if any lawyer tells you how long it will take to resolve your case without speaking to you first, you should probably find another lawyer.
Absolutely. Many contracts used by predatory debt settlement companies contain provisions that are unenforceable under federal and state law. Don’t assume you have no options just because you signed something.
Take Action Today
Don’t let debt settlement companies profit from your financial hardship. Contact us now to protect your rights and recover what you’re owed.
Call Us Now (732) 866-6655
Schedule Call
Schedule Your Consultation Now