JB Debt Free by JB Law Group- Your Trusted Debt Relief Partner
How It Works2023-12-13T14:26:47-08:00

“We Work
           with You.”

Our debt relief program is designed to help you reduce your debt and regain control of your financial future.

  • Credit Card Debt Relief

  • Debt Consolidation

  • Medical Debt Relief

  • Personal Finance Debt Relief

  • Business Debt Relief

  • Private Student Debt Relief

  • Lines of Credit

  • Collections

Our debt relief program is designed to help you reduce your debt and regain control of your financial future.
At JB Debt Free,

we are here to guide you every step of the way.

Step 1: Free Consultation

Understanding Your Financial Situation
Our process begins with a free, no-obligation consultation where we assess your current financial situation. Our experts will review your debts, income, and expenses to develop a clear picture of your financial landscape.

Tailored Advice
Based on the initial assessment, we provide tailored advice and suggest a customized debt relief plan that aligns with your financial goals and circumstances.

Step 2: Customized Debt Relief Plan

Developing a Strategy
Once we understand your financial situation, we develop a strategy that aims to reduce your debt through negotiations with creditors, potentially lowering interest rates and waiving fees.

Setting Up a Monthly Savings Plan
We help you set up a monthly savings plan, where you save a specified amount in a dedicated account to accumulate funds for debt settlement.

Step 3: Negotiations with Creditors

Initiating Negotiations
With a clear strategy in place, we initiate negotiations with your creditors, aiming to reduce the total amount you owe.

Settlement Agreements
We work diligently to reach settlement agreements with your creditors, where a reduced amount is agreed upon to settle your debts.

Step 4: Debt Settlement

Settling Your Debts
Once agreements are reached, we use the funds accumulated in your dedicated savings account to settle your debts, one by one.

Monitoring Progress
Throughout the process, we monitor the progress and keep you updated on the developments, ensuring transparency and open communication.

Step 5: Financial Freedom

Rebuilding Your Financial Future
With your debts settled, you can start rebuilding your financial future. We provide guidance and resources to help you maintain a debt-free life.

Continuous Support
Even after your debts are settled, we remain by your side, offering continuous support and advice to help you manage your finances effectively.

The Benefits of Your Debt Relief Program

Our goal is to create a plan that integrates seamlessly into your financial landscape, providing a straightforward and sustainable route to becoming debt-free.

One Affordable Monthly Payment

In our commitment to making the path to financial freedom accessible and manageable, JB Debt Free offers a plan that consolidates your multiple debt payments into one affordable monthly payment. This approach not only simplifies your financial management but also helps you keep track of your progress with ease.

Absolutely No Up-Front Fees

At JB Debt Free, we believe in establishing trust and transparency with our clients, which is why we have a strict no up-front fees policy. We are invested in your journey to financial stability, and we demonstrate this commitment by not charging any fees until we successfully negotiate a settlement that you agree upon.

Resolve Your Debt in 20~48 Months

Our program is designed to help you resolve your debt in a time frame of 20 to 48 months. This period allows us to negotiate effectively with your creditors and to help you accumulate sufficient funds for settlement, all while you see a clear endpoint in sight.

Need Help? Find Your Answers Here.

Does JB Debt Free offer debt consolidation loans?2023-12-13T09:27:30-08:00

Currently, JB Debt Free specializes in debt relief services, which include negotiating with creditors to reduce your debt amount and assisting you in managing your debt more effectively. As of now, we do not offer debt consolidation loans. However, we are here to help you explore various options and find the best solution to address your financial needs.

When I’m done, will I be totally debt-free?2023-09-19T11:55:35-07:00

Upon completion of our program, you will be free from the debts that were enrolled in the program. It’s important to note that any debts not included in the program will remain your responsibility. Our team will work with you to develop a strategy for managing any remaining debts, helping you work towards complete financial freedom.

When will I have my debts paid off?2023-09-19T11:55:17-07:00

The timeline for paying off your debts through our program typically ranges between 20 to 48 months, although this can vary based on your specific financial situation and the terms negotiated with your creditors. Our team works diligently to expedite the process wherever possible, with the goal of helping you achieve a debt-free life in a reasonable timeframe.

Will I have to pay taxes on the forgiven debt?2023-09-19T11:54:54-07:00

In some cases, the IRS may consider forgiven debt as taxable income. However, there are exceptions and exclusions to this rule, depending on various factors including your financial condition. It’s recommended to consult with a tax advisor to understand the potential tax implications and to ensure compliance with tax laws.

How do I cancel my debt relief program?2023-09-19T11:54:21-07:00

If you wish to cancel your debt relief program, you can do so at any time. To initiate the cancellation, please contact us directly through the communication channels provided. We will guide you through the cancellation process, ensuring a smooth and hassle-free experience. It’s important to discuss any potential implications or fees associated with cancellation during this process.

What do I do if my creditor takes legal action?2023-09-19T11:53:48-07:00

If a creditor takes legal action against you, it’s crucial to inform us immediately. Our team will work with you to develop a strategy to address the legal action, which may include negotiating with the creditor to reach a settlement or making arrangements to satisfy the debt. We are here to support you throughout the process and help you navigate any legal challenges that may arise.

What happens if I miss monthly payments?2023-09-19T11:53:24-07:00

If you miss monthly payments, it’s essential to communicate with us as soon as possible. We understand that financial situations can change, and we are here to work with you to adjust your plan as needed. Our goal is to help you stay on track towards achieving financial freedom, and we will do our best to accommodate any changes in your circumstances.

Will your program impact my credit score?2023-09-19T11:53:04-07:00

Participating in a debt relief program can have an impact on your credit score, as it may involve settling debts for less than the full amount owed. However, the goal of our program is to help you reduce your debt burden and ultimately improve your financial situation, which can potentially lead to a better credit profile in the long run.

Your Vision for a Debt-Free Future

Call Us (800) 888-8888

JJ Debt Free - Your Trusted Debt Relief Partner
Break Free from Debt, Embrace Financial Peace with JB Debt Free!

At JB Debt Free, our expert team is dedicated to crafting personalized debt relief strategies that work. From debt settlement to financial education, we provide the tools and support you need to regain control of your finances. Take the first step towards a brighter, debt-free tomorrow.

(213)-769-6099

Hours:
Mon – Fri: 8 am ~ 5 pm
Sat & Sun: Closed

Address:
9040 Telstar Ave., Suite #136, El Monte, CA 91731

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*At JB Debt Free by JB Law Group, we strive to provide you with accurate estimates based on historical results. However, it’s important to note that outcomes can vary based on the specific creditors involved and the terms of your individual program. Not every client is able to finish their program due to different reasons, including the inability to accumulate enough funds. We cannot guarantee the resolution of your debts within a fixed time frame or for a predetermined amount or percentage.

We do not take on your debts, facilitate monthly payments to creditors, or offer tax, bankruptcy, accounting, legal advice, or credit repair services. Our offerings are not accessible in all states, including New Jersey, and our charges may differ from one state to another. We recommend consulting with a tax professional to understand the potential tax implications of settling debts for less than the full balance. Please thoroughly review all program materials before enrolling.

Utilizing debt settlement services can negatively impact your credit score, potentially lead to collection efforts or lawsuits by creditors or collectors, and may increase the outstanding balances of your enrolled accounts due to the accumulation of fees and interest. Nevertheless, the settlements we negotiate on your behalf aim to resolve the entire account, encompassing all accrued fees and interest.

** Our guarantee becomes active once you complete the program, and it remains valid even if you decide to exit before completion. Upon your exit, we will determine your refund eligibility based on the total debt enrolled, settled, and the fees you have paid to us.

JB Debt Free by JB Law Group maintains a policy of non-discrimination, regardless of race, color, religion, gender, marital status, national origin, or ancestry.

We are located at 9040 Telstar Ave., Suite #136, El Monte, CA 91731

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