Semantic Coherence: Alperstein & Associates, LLC – Signal Evidence & AI Readability

Excellence
Representing clients in multiple
states throughout the country

Excellence
We are a leading law firm in Debt Settlement
With more than 20 years of experience

At Alperstein & Associates, LLC our attorneys defend you against both national, regional and local creditor companies. In the event you need an experienced attorney, we are on your side to defend you from those creditors and help you resolve your debt. Our team will guide your through all options for putting debt behind you. This will help you make an informed decision and select the solution that best fits your financial parameters.
Our lawyers pride themselves on being seasoned trial attorneys, rather than just “litigators.” We place ourselves on each client’s team, working with each client to achieve their goals and minimize obstacles, all the while keeping an eye not only on the short-term result, but on the long-term impact of each client. This allows us not only to help our clients achieve the most favorable outcome, but to be proactive in helping position our clients for their future.
Our firm motto is to provide our clients with the highest level of service and representation for the most competitive and affordable rate. Our attorneys focus solely on our clients’ desired result(s). In order to keep our costs down, our attorneys engage in a thorough pre-suit investigation of each case. This allows us to discover whether a favorable settlement or extensive litigation is in our client’s best interests.
You can contact us to address your legal needs by calling one of our partners to schedule a free initial consultation. At the end of that consultation, we will give you a straight and honest assessment, even if it means suggesting that you not retain our services.
We are licensed to represent clients in various states throughout the country.

Our debt negotiation program is used as means to get you out of debt faster than making minimum payments to creditors. This program..
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Bankruptcy and debt settlement are two common means of handling excessive debts that you cannot afford to repay. There are…
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At Alperstein & Associates, LLC we defend individuals, businesses and insurance companies facing a variety of legal disputes. To discuss …
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Civil Practice

Auto Insurance Defense

Premises Liability

Negligence

General Liability Defense

Civil Defense

Contract Litigation

Self Insured Defense

Trial Practice

Personal Injury

Real Estate Contracts

For more information on Alperstein & Associates, LLC, please call: (866) LAW 1818. Alperstein & Associates is a law firm effectively and efficiently addressing the legal needs and solving legal problems of both businesses and individuals in various states throughout the country.

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I've been happy with the services provided by Alperstein & Associates. Mr. Alperstein  was really patient to listen to all my problems and try his best to give me good advises for my case.

[H3] Victoria Porter
Customer

Mr. Alperstein answered all my questions and eased my worries about moving forward with my legal matter and how his representation will help reduce my increasing debt.

[H3] Sukdev S.
Client

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Our debt negotiation process is used as means to get you out of debt faster than making minimum payments to creditors. Our representation provides you with an effective method to negotiate with your creditors in reducing the amounts owed. The benefits include monthly payment savings, ease of single or bi-weekly payments directly debited making it more affordable and usually less than the minimum payments you would have been paying.
During the enrollment process, you will have a free consultation with a local in-state attorney. You and the attorney will review your financial analysis and budget to confirm the plan fits your needs. Each plan is tailored specifically to each client and the attorney assigned will oversee the entire process from start to finish. In the event you receive a legal notice related to the enrolled debt, rest assured you will have representation.
Based on your plan and available funds, our team of attorneys and negotiators work directly with your creditors to negotiate a reduction in the amount you owe. When an agreement is reached, we will present it to you for approval. Once approved, the funds in your Dedicated Account will be used to pay your creditors and our attorney fee for that settlement. After the full settlement amount is paid, you no longer owe on this debt.
How long does it take?
The plan length varies from 24-48 months, depending on each individual’s situation. This is considerably shorter than it would take to pay off a large amount of high-interest debt by making minimum monthly payments.
How much do I have to pay each month?
We work with you from the beginning to make sure the monthly  deposit is one you can afford. Your monthly deposit includes estimated settlement amounts as well as legal fees and service costs. The settlement fee is a percentage of your enrolled debt. When you retain our firm for debt negotiation, you make monthly deposits into an FDIC-insured Dedicated Account that you own and control. As the funds accumulate, we create a custom negotiation strategy based on your particular mix of creditors and debt amounts in order to maximize your savings.

Bankruptcy allows people struggling with debt to wipe out certain obligations and start with a  clean slate. The two primary bankruptcy types filed—Chapter 7 and Chapter 13 bankruptcy—each offer different benefits, and, in some cases, treat debt and property differently, too. The type of chapter that’s right for you depends on your income, property, and goals.
[H4] Here are some of the things you can expect bankruptcy to do.
Stop Creditor Harassment and Collection Activities
Once you file, the court puts in place an order called the automatic stay. The stay stops most creditor calls, wage garnishments, and lawsuits, but not all. For instance, creditors can still collect support payments and criminal cases will continue to proceed forward.
Stop a Foreclosure, Repossession, or Eviction (at Least Temporarily)
The automatic stay will stop all of these actions as long as they’re still pending.
Evictions
An eviction that’s still in the litigation process will come to a halt after a bankruptcy filing. But the stay will likely be temporary. Keep in mind that if your landlord already has an eviction judgment against you, a bankruptcy won’t help in the majority of states.
Foreclosure and repossession
Although the automatic stay will stop a foreclosure or repossession, filing for Chapter 7 won’t help you keep the property. If you can’t bring the account current, you’ll lose the house or car once the stay lifts. By contrast, Chapter 13 has a mechanism that will allow you to catch up on past payments so you can keep the asset.
Wipe Out Credit Card Debt and Most Other Nonpriority Unsecured Debts
Bankruptcy is very good at wiping out unsecured credit card debt medical bills, overdue utility payments, personal loans, gym contracts. In fact, filing for bankruptcy can wipe out most nonpriority unsecured debts other than school loans.
How quickly your debt will get wiped out will depend on the chapter you file:
Chapter 7 bankruptcy
This chapter takes an average of three to four months to complete.
Chapter 13 bankruptcy
If you file for Chapter 13 rather than Chapter 7, you’ll likely have to pay back some portion of your unsecured debts through a three- to five-year repayment plan. However, any unsecured debt balance that remains after completing your repayment plan will be discharged.
Debt Settlement
Debt Settlement is the only type of debt-relief program, outside of bankruptcy, that can reduce or eliminate a substantial amount of your debt without making payment in full. The concept is simple. Your attorney reviews your finances and your debts and identifies which lenders are likely to accept an offer-in-compromise — payment of less than the full balance — in exchange for canceling the debt. A full financial analysis is performed, and a budget is prepared for each client to confirm affordability.
The monthly or bi-weekly payment amount is then approved for the term of 24 to 48 months. As funds accumulate in an FDIC-insured escrow account, established in the client’s name and management by a bank or third party service provider, they will be used to pay agreed upon settlements with the creditors. In many cases, the monthly contributions are less than the minimum payments the client would normally be making to the creditors.

At Alperstein & Associates, LLC we defend individuals, businesses and insurance companies facing a variety of legal disputes. To discuss your legal options, contact a partner at any time.
The attorneys at Alperstein & Associates, LLC are committed to providing highly professional representation to our clients  various states throughout the country. Our lawyers practice primarily in the following areas:

Debt Relief Consumer Litigation Bankruptcy Fair Debt Collection Practices Act
Insurance Fraud
Premises Liability

Personal Injury
Automobile Casualty Property and Coverage disputes Contract Litigation Commercial Litigation Real Estate

Notwithstanding the above practice areas, since the inception of our firm, we have specialized in representing transportation companies, (including, but not limited to, taxi cab and bus companies), as well as, their drivers in motor vehicle collision cases. Many issues arise in these lawsuits, involving late notice of the suit and/or of a judgment, a lack of cooperation from certain parties, whether the drivers are properly classified as independent contractors vs. employees, and/or other problems.  In addition, in such lawsuits, our clients may be entitled to co-insurance, indemnification and/or contribution from a co-insurer or co-defendant.  We are on the leading edge of such legal issues because we litigate them every day.  For this reason, we are highly qualified to advise what to do when such issues arise.
Even though our firm continues to specialize in representing transportation companies in motor vehicle collision cases, our firm’s experienced attorneys, as well as, its legal staff, are highly qualified by education and experience to handle all of the numerous types of lawsuits listed above.  In fact, our attorneys have helped pioneer the law in some of these areas.