Providian Legal Corporation

One of the easiest ways to get derailed on your journey is unexpected, costly attorney’s fees associated with actual or threatened litigation from your existing creditors and third party debt collectors. But we’ve got you covered.

With Providian’s Legal Plan, you will never spend a penny on attorney’s fees in any matter involving your listed accounts. No limits, no deductibles, no gimmicks. You only pay suit-related fees and costs, if any. With our joint-cooperation with your debt consolidation’s experienced team, in many cases we can avoid litigation entirely and thus avoid any suit-related fees and costs, keeping your money where it belongs…in your pocket.

As an additional benefit, we will assist you if any debt collectors are harassing you or anyone you know. 

Here are some important things to know about debt collection: 

- You can stop a debt collector from contacting you and your spouse about collecting a debt by sending them a certified letter advising them not to contact you; from that point, they can only contact you to advise that they are ceasing communication, or taking some sort of legal action against you. 

- A debt collector can only ask your friends and family about where they can contact you; they cannot mention that they are attempting to collect a debt, and in general they may only contact this person once.

- If a debt collector is harassing you, a family member, or friends, keep a detailed call log, including the date, time, and name of the company calling. 

- If you request in writing that the debt collector validate the debt with the original creditor, they must cease any attempt to collect the debt until they provide you with validation in writing.