MST Consulting Group specializes in representing clients for debt collection communications, as outlined by the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692 et seq. We use the provisions of the FDCPA to shield clients from unwanted debt collector contact, requiring collectors to communicate directly with us once we are retained.

We don't provide legal advice or court representation, negotiate debt settlements, or handle disputes on credit reports. Our focus is on consumer debt issues and helping clients understand their rights and options.

MST Consulting Group aids senior citizens, retirees, veterans, and legally disabled individuals. Our clients are those receiving incomes protected by federal and state laws, yet struggling with unaffordable debts. Many find us after years of financial struggle, while others come to us when life changes make it impossible to continue paying their debts. For most, paying these debts means sacrificing essentials like medications, food, or utilities.

MST Consulting Group charges $99.95 per month for 24 months. This covers 4 years of representation. More information about our fees is available on our website.

Non-payment or partial payment of debts will likely impact your credit report, as with any financial entity. We caution against companies that promise to "fix" credit scores. Instead, we recommend educating yourself on how to dispute inaccuracies on your credit report.

We issue cease and desist notices to creditors and debt collectors, informing them of your status as a protected individual and directing all future communications to us.

Under the FDCPA, debt collectors cannot legally contact you once they know you're represented by us. Original creditors may continue sending statements by mail, and some states offer additional protections.

If you owe money to your bank and include this debt in your list to us, it's advisable to close any accounts with that bank. If you don't owe money to your current bank, there's no need to change your account.

The FDCPA prohibits abusive, unfair, or deceptive practices by debt collectors. It does not cover original creditors or business debts. Many states have additional laws regulating collector and creditor behavior.

Yes, a creditor or debt collector can sue for breach of contract. However, judgments typically only affect unprotected income and assets, and most of our clients are judgment-proof.

Lawsuits can be intimidating, and fear is often used as a tactic by debt collectors. It's crucial to understand the legal protections for your income and assets.

Appearing in court or responding to a lawsuit is your choice. Owing a debt is a civil matter, not criminal, and you cannot be jailed for choosing not to respond to a lawsuit.