Debt Stoppers Debt Relief Lawyers (Unbiased Review)

Debt Stoppers Debt Relief Lawyers (Unbiased Review)

Debt Stoppers have a consistant 4.2/5 rating on Trust Pilot and only 6 complaints registered in the Better Business Bureau. Debt Stoppers also offer free consultations and have excellent testimonials on the website. We recommend Debt Stopper's services for those in need of Debt Relief.
  • Service Trust Score
  • Service Portfolio
  • Customer Service
  • Resolution Time
4.3/5Overall Score

Debt Stoppers have a consistant 4.2/5 rating on Trust Pilot and only 6 complaints registered in the Better Business Bureau. Debt Stoppers also offer free consultations and have excellent testimonials on the website. We recommend Debt Stopper's services for those in need of Debt Relief.

Pros
  • Trust Pilot Score of 4.2
  • Services for all kinds of Debt Relief- Bankruptcy, repossession, creditor harassment, foreclosure, wage garnishment, asset protection, camera tickets, parking tickets, rebuilding credit, credit card debt, pay day loan, IRS debt, Medical Bills
  • Services in Illinois, Florida, Michigan, Nevada, Georgia, Texas, California
  • Excellent Customer Service
Cons
  • Yelp Reviews are not so great, but then there are not many reviews there.
  • Resolution may take time

Debt Stoppers is a debt relief lawyer company that specializes in helping people get out of debt. They offer services such as bankruptcy, credit repair and more. Here we review the pros and cons of the company to help you make an informed decision about your financial future.

Debt is the bane of many people’s existence. The stress and worry that comes with having too much debt can take a toll on your mental health if you let it.

If you are looking for an unbiased review, we have one here!

About Debt Stoppers (The Semrad Law Firm)

The Semrad Law Firm is a licensed national debt relief agency that offers legal assistance to American families struggling with debt. DebtStoppers is their firm’s brand name that uses the bankruptcy laws made by Congress to help debt-burdened Americans get a fresh start.

Debt Stoppers have successfully stopped repossession, foreclosure, garnishment, and wage garnishment for over 25,000 Illinois, Georgia and California residents. 

Debt Shoppers claims to help American Citizens with any debt problem, no matter how big or small. 

Debt Stoppers Reviews: The Real Truth

Debt Stoppers has a Trust Point score of 4.2 and only. 57% of the reviewers have given Debtstoppers a review of 5/5- an excellent score, another 14% gave a 4/5 rating, and 14% people gave a 1/5 score. Trust Point is an unbiased review platform. A 4.2 Score for Debtsettlers means they are doing most things right and trusted for their services.

Better Business Bureau has had six complaints against Debt Stoppers in the past three years. Not that significant if you ask me. However, Debt Stoppers is not certified by the Better Business Bureau.

Additionally, you will find stellar testimonials on their website; these could be biased, so I am not relying on that data.

Another reason why I feel Debt Stoppers is a trustworthy company is that they do not charge upfront fees and offer free consultations.

Services offered by Debt Stoppers

Debt Relief by Chapter 7 bankruptcy or Chapter 13 bankruptcy filing

DebtStoppers helps families struggling with debts start fresh by filing a Chapter 7 bankruptcy or Chapter 13 bankruptcy. DebtStoppers claim that their experience shows that clients rarely lose their property.

Confidential Personal Debt Analysis

Confidential Personal Debt Analysis is a service that Debt Stoppers offer free of charge. This is provided free to acquire more clients, a common marketing technique.

IRS Tax Relief 

Debt Stoppers offer services to relieve customers from tax burdens. They will help customers with Tax instalment agreements, reduce tax, help with the Taxpayer Advocate Service, Innocent Spouse Relief (Form 8857), and discharge unpaid tax debt by filing bankruptcy.

Payday Loan Settlement

Debt Stoppers offers Payday loan relief consultation and Cash advance, Check advance, Post-dated check, Deferred deposit issues.

They also offer services to help with unpaid parking tickets, unpaid red light tickets and asset protection schemes.

Help with Repossession of Vehicles

If you cannot pay your loan or are worried about repossession, bankruptcy laws might be the best option. A judge will issue a court order to your creditors requiring them to stop trying to seize your property. Your lender can’t repossess your vehicle if you file bankruptcy. A car that has been repossessed may be possible to be recovered.

Debt Stoppers can help with this.

Creditor Harassment

This constant intimidation can cause stress that can lead to depression. This personal intrusion into your life can harm your relationships, job performance, health, and overall well-being.

It doesn’t mean you have to live with it.Bankruptcy laws can provide a way out. The court will issue an automatic stop to prevent you from collecting creditors when you file Chapter 7 bankruptcy or Chapter 13 bankruptcy. Creditors will not be able to order any money from you. They are also forbidden from contacting you for life. The harassment will cease, and your phone will not ring as soon as you file bankruptcy.

Foreclosure

A Chapter 13 bankruptcy is your best option for avoiding foreclosure and keeping your house. You’ll still need to pay your mortgage, but Chapter 13 allows for you to eliminate approximately 90% of your other debts, which significantly reduces your monthly payments.

It doesn’t matter if the bank has already filed proceedings. Chapter 13 can still work its magic. Debt Stopper lawyers must file your bankruptcy petition within 24 hours.

The foreclosure process will be halted immediately. The court will also direct all creditors to cease trying to collect money or calling you.

Wage Garnishment

One of the most common forms of defence to avoid Wage Garnishment is to file for an Chapter 7 or Chapter 13 bankruptcy. After filing a bankruptcy petition with all the necessary forms, the judge will issue an immediate stay. This prevents creditors from contacting or taking any other action to collect the debt.

Many people fear that bankruptcy will force them to part with their belongings. However, DebtStoppers clients never lose anything. 

Chapter 7 and Chapter 13 allow you to keep your possessions, remain in your home, as well as stop deductions from paychecks. 

Asset Protection

Many believe that you must give up all your possessions to file bankruptcy. 

Debt Stoppers claim this to be rarely true. While Chapter 7 laws permit certain “non-exempt” assets to be liquidated to pay your creditors, most of their clients don’t lose a single thing during the Chapter 7 process.

With a Chapter 13 bankruptcy, your assets are never liquidated. Instead, you will restructure your debts to a monthly payment that is affordable and allows you to repay creditors over 3-5 years. This will protect your assets. Chapter 13 is a way to get out of debt and keep your life intact.

Camera Tickets and Parking Tickets

Chapter 7 bankruptcy laws may be able to help you if you are overwhelmed by ticket debt. DebtStoppers bankruptcy plans can instantly eliminate all your ticket debt and put you back behind the wheel.

Rebuilding Credit

Filing for bankruptcy may be the best way to improve your credit. People who are drowning in debt need to be protected by bankruptcy laws. You can file Chapter 7 or Chapter 13 to get the help you need from creditors.

Although bankruptcy can significantly impact your credit score, it will not affect it if it is already low. The positive effect on your credit can often outweigh the initial loss.

These are some ways bankruptcy can help you increase your score in the short- and long term.

  • Reclassifying debts to “discharged during bankruptcy.”
  • Improving your debt-to-credit ratio
  • Building the foundation for a positive financial record

Debt Stopper’s lawyers have helped thousands of people get a fresh start with a DebtStoppers bankruptcy plan.

Credit Card Debt

 A Chapter 7 lawyer will help you get rid of all your debts and allow you to start fresh. Although the law allows your assets to be sold to pay creditors, it is infrequent. A DebtStopper bankruptcy lawyer is available to help you get rid of your debts.

Medical Bills

The only way to pay off unpaid medical bills is through bankruptcy. You have two options in the legal system: Chapter 7 and Chapter 13.

You can get rid of your medical debts with Chapter 7. Chapter 7 is sometimes called a “liquidation bankruptcy”, but DebtStoppers clients don’t lose any possessions.

Chapter 13 is a repayment plan. You will not have to liquidate any assets. Instead, you will consolidate your debts into one monthly payment that you can afford. This will allow you to repay your debts in three to five years.

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