Facing debt collection and wondering if settlement is really possible? Attorney Jonathan Yong from Guardian Litigation Group joins Hannah to reveal exactly how debt settlement works from the legal trenches. Whether you're deaing with your first collection notice or already facing a lawsuit, Jonathan breaks down the negotiation process that resolves 95% of debt cases before trial.Jonathan brings years of experience as both corporate counsel in financial services and a consumer protection attorney, and he reveals the insider strategies of verifying debt ownership, negotiating from a position of strength, and protecting yourself from common settlement scams. He also explains why you can still negotiate even after a judgment and shares the documentation that can dramatically improve your settlement terms.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.Enter Solo's In-DEBT-ENDence Day Giveaway this July for a chance to win $4,700 to help pay off your debt: www.solosuit.com/giveaway?utm=podcastIn this week's episode of The Debt Hotline, you'll learn:How 95% of debt cases settle before trial and why creditors want to work with youThe critical first step: verifyin the debt collector actually owns your debtDifferent settlement options: reduced principal, extended payment plans, or new interest ratesWhy you can still negotiate even after a judgment has been entered against youWhat to expect at a motion for summary judgment hearing Real strategies for removing negative marks from your credit reportKey insights from Jonathan Yong:You're not going to jail for unpaid debt; it's strictly a financial matterAlways get settlement offers in writing before paying anythingPush for the best deal possible, especially if you have documented financial hardshipSettlement is possible at any stage: pre-lawsuit, during litigation, or post-judgmentOriginal creditors, debt buyers, and collection agencies each have different negotiation approachesStates with stronger consumer exemptions often see more favorable settlement termsHannah and Jonathan tackle real listener questions covering everything from paying off decades-old debts and vacating default judgments to settling payday loans and handling discovery disputes. Jonathan also explains complex legal concepts like motions for summary judgment in practical terms anyone can understand.The bottom line: Debt problems don't have to ruin your life. Whether you hire experienced counsel like Guardian Litigation Group for complex cases or use Solo's self-representation tools for smaller amounts, taking action early gives you the most options for resolution.For legal representation in debt matters, contact Guardian Litigation Group at 1-800-316-3133.For DIY tools to respond to lawsuits and negotiate settlements, visit www.solosuit.com.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

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