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What Can a Professional Do for Me?
Hiring a qualified professional to represent you through any financial crisis is not just a difficult decision; ultimately it can be the difference between the success and failure of resolving your debt matter. The choice of a professional third party representative is a very scary proposition, filled with risk and unknowns, and of course one that you literally can’t afford to be wrong about. You can find lots of recommendations ad advice from family, friends and of course the “all knowing” internet, but is that enough? Not in our opinion. First you should know the facts.
What exactly is a Third Party? A Third Party is an independent party, a business or professional, which does not have an interest in the transaction or matter, such as a mortgage, loan or other credit obligation. A Professional Third Party implies that the representative is qualified, educated, experienced or licensed to perform the services you pay for.
Does A Third Party Have To Be An Attorney?
Does a Third Party have to be an attorney? There are stringent federal, state and professional laws and rules that regulate who can represent a consumer. A basic rule of thumb is this; if the matter involves a contract the Third Party must be an attorney because in every state only an attorney (with very specific exceptions like a real estate purchase contract) can legally represent a consumer. In certain circumstances a licensed professional such as a CPA, Realtor or others may have a legal exception.
What determines a Third Parties qualification? Attorneys are prohibited from advertising “success rates”, claiming to be “experts” or from predetermining outcomes such as interest rates or debt forgiveness. All Third Parties making any claim of experience are required to “quantify” their claim, meaning support the claim with numbers, such as the number of clients represented, years of practice or licensure. And of course they should be willing and able to provide you with access to their professional records including licensing or professional membership. Most licensed professional and attorneys have limitations on the use of testimonials due to privacy laws.
What should I beware of? If it sounds too good to be true, it usually is! That’s a life rule to apply in your search. One of the greatest sales techniques is to tell the prospect what they want to hear. If the spokesperson avoids answering questions or won’t provide you with specific answers or resources to verify their claims, walk away. And of course the “high pressure” sale, pushing for a decision today, or price/cost discounts ending today so act now. Professionals, especially attorneys, typically can’t charge fee “specials” or “sales”, and most importantly, only the actual attorney, not the representative or agent, can determine their fees
You’ve heard this before and it’s true…Time is of the essence…
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