Are you experiencing financial difficulties? Over one and a half million Americans file for bankruptcy each year and so do thousands of businesses. Debt  Reduction is the best alternative to filing and avoiding bankruptcy. Our debt settlement, negotiation, elimination & management program helps you to reduce & eliminate credit card debt. When you are facing a financial crisis, often it is difficult to know where to turn and Who You Can Trust! Creditors may be harassing you. You may be considering the omnipresent credit repair or credit counseling services. How do you know who has your best interests in mind? At Shah Peerally Attorney At Law, our California Debt Settlement Attorneys take pride in working with people like you who need legal counsel for financial issues, such as Debt Negotiation, garnishment, settlements, and loan deficiencies. Act now. The sooner you call Shah Peerally Attorney At Law, the sooner you’ll get back on track to financial independence. Call us on 510.742.5887

1. Frequently Asked Question on Debt Settlement. Presented by Shah Peerally, Attorney at Law www.YourDebtSettlementAttorney.com Phone:(510) 742 5887 37600 Central Ct, Ste 202 Newark CA 94560 (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

2. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

3. SETTLE YOUR CREDIT CARD DEBTS FOR A FRACTION OF WHAT YOU OWE! Are you experiencing financial difficulties? Over one and a half million Americans file for bankruptcy each year and so do thousands of businesses. Debt Reduction is the best alternative to filing and avoiding bankruptcy. Our debt settlement, negotiation, elimination & management program helps you to reduce & eliminate credit card debt. When you are facing a financial crisis, often it is difficult to know where to turn and Who You Can Trust! Creditors may be harassing you. You may be considering the omnipresent credit repair or credit counseling services. How do you know who has your best interests in mind? At Shah Peerally Attorney At Law, our California Debt Settlement Attorneys take pride in working with people like you who need legal counsel for financial issues, such as Debt Negotiation, garnishment, settlements, and loan deficiencies. Act now. The sooner you call Shah Peerally Attorney At Law, the sooner you’ll get back on track to financial independence. Call us on 510.742.5887 (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

4. What is a Debt Settlement? Debt Settlement is the process of negotiating your debts with the intent of obtaining a reasonable settlement. The negotiation process is quite daunting and requires constant monitoring and being educated about debt collection laws. A lender will usually settle if you meet the criteria or qualify for debt settlement. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

5. Testimonial I was laid-off from work in March 2009 and was living on the EDD Unemployment Insurance check, which was not enough as I had a house mortgage, car payments and family to support so all my credit cards got maxed out and the Credit Card companies started calling us on daily basis, they also called my wife at work, which was very embarrassing for her as she works at a law firm. It came to a point that we were afraid to answer the phone at home as we were harassed even on the weekends. I was talking to my friend and he gave me the contact number for the Shah Peerally law office and said that they can help me. I called Shah Peerally and told them about my financial situation, they told me their procedures and I signed an agreement with them. Within about two weeks all the harassing phone calls have stopped and within 6 months most of my Credit Cards settled. After paying off all my Credit Card my credit was restored. I was very happy that I went to Shah Peerally for help and was very satisfied with the service and professionalism they provided me. It was very important for me to resolve my Credit card debt as I am in the job hunt and most of the companies check for the Credit history/background now before they hire new employees and I didn’t wanted to miss out on a good job offer just because of my credit history. S.D. Important: The testimonials or endorsements on this website do not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter. Each case is different and success in one case does not warrant or guarantee success in other similar cases or situations. For more information call us on 510 742 5887. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

6. Should I opt for Bankruptcy? If you are not able to pay a settlement amount to your lender and you do not qualify for bankruptcy, it is a good idea to look into debt settlement. Note that unlike bankruptcy, debt settlement is usually some sort of “amicable” resolution between the lenders and yourself and therefore, there are no hard and fast rules for what you can get on a debt settlement. Additionally, it usually takes less time to recover the points on your credit. Unfortunately this statement is not always clear because there are many other factors that need to be considered when recovering your credit rating. For example if you still owe on your house, other debts owed, possible credit cards you are keeping and the frequency you are paying them. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

7. Am I eligible for debt settlement? If you owe more than 10K in credit cards you are eligible for debt settlement. In fact, you can also do a debt settlement on lesser amount but it is not recommended unless your hardship is overwhelming. The reason is that debt settlement will still affect your credit negatively. Someone might prefer to keep a perfect credit rather than taking a chance on debt settlement. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

8. Can I negotiate on my own? Of course you can and many people successfully do. There is a saying which says, “he who represents himself, has a fool for an attorney.”a. Lenders now are very aggressive in pursuing their debts and they will try to negotiate to get the settlement in their favor;b. borrowers or consumers are emotionally drained during the process and end up by taking unfavorable deals;c. You will also have to educate yourself about the laws – including Fair Debtors Collection Practices; andd. You will not benefit from the “cease and desist” letters preventing creditors to harass you for a debt. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

9. At what point should I start my debt settlement? You should consider debt settlement when:a. You are faced with a genuine hardship;b. You want to protect some assets from bankruptcy;c. You are late on your credit card;d. You have at least some money to work a deal out with the lender. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

10. What happens if I ignore the collection calls and just do not respond. First, the lender will try to collect from you. Then if you do not respond, they will sell or transfer the debt to a collection agency (which are far more aggressive than banks). If the collection agency fails, they will refer the case to an attorney’s office or have their own attorney file a lawsuit in your case. Unless you have money to pay an attorney to defend you, the lender will obtain a judgment against you. Once a judgment is obtained, they have a right to garnish your paycheck, levy your bank account and also attach a lien to any properties where equity is present. They will also pile interest and other fees on the top of the actual amount owned. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

11. What happens if the bank or the lender already has a judgment against me? At this point you can still file a bankruptcy or even try a debt settlement. Our law firm has represented many who already had a judgment against them. However, the settlement offer is usually higher than the regular offers. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

12. Is it not better to do a debt consolidation? Debt consolidation is the process of merging all the debts in one. The problem is that often you will end up by paying the same amount plus the fees of the consolidation company. This is not really practical and economical. It also leaves the lingering pain of having debts on your mind. Furthermore, other lenders do not really like such programs. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

13. I used a debt settlement company and I end by losing money. This is a common complaint that we are getting from many of our clients. Many of the debt settlement companies were operating in an “abusive” way. For example, they would ask for advanced fees from the clients and ask the clients to put a certain sum in an “escrow or trust” account to be used at a later stage. The truth is that most of those clients end up falling behind in contributing to the escrow account and losing fees paid to the debt settlement company. The clients ultimately found themselves in a worse position, and ended up filing for bankruptcy.Our law firm negotiates your debts and does not ask for any advance fees or “escrow” accounts. Furthermore, the FTC has outlawed such practices in October 2010. Call us for more details at 510 742 5887. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

14. What kind of debts can be settled? It is easier to settle unsecured debts such as:a. Credit cardsb. Lines of creditc. Hospital bills d. Already foreclosed properties second and third loans (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

15. Important The above was provided for educational purposes only. One should not act or refrain to act solely based on the information provided. No attorney-client relationship is created by this slide show. Debt Settlement can have tax implication which you should discuss with your tax attorney or CPA. Our law firm does not provide tax advices. Should you have any questions feel free to call us on 510 742 5887. Visit us on www.YourDebtSettlementAttorney.com (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com

16. About Shah Peerally Shah Peerally is an attorney licensed in California practicing immigration law and debt settlement. He has featured as an expert legal analyst for many TV networks such as NDTV, Times Now and Sitarree TV. Articles about Shah Peerally and his work have appeared on newspapers such as San Jose Mercury News, Oakland Tribune, US Fiji Times, Mauritius Le Quotidien, Movers & Shakers and other prominent international newspapers. His work has been commended by Congress women Nancy Pelosi and Barbara Lee. He has a weekly radio show on KLOK 1170AM and frequently participates in legal clinics in churches, temples and mosques. For updates follow us onYoutube, Radio, Facebook, Twitter and LinkedIn. Shah Peerally Law Group PC deals in immigration law - www.peerallylaw.com and www.immigrationlegalblog.com Attorney Shah Peerally also deals in debt settlement. For more information call us on 510.742.5887 and visit us on www.YourDebtSettlementAttorney.com. Information provided above is for educational purposes only. One should not act or refrain to act solely based on the information provided. You should consult an attorney to assess your case before proceeding. (c) Shah Peerally, Attorney at Law - Phone:(510)742 5887 - www.YourDebtSettlementAttorney.com