When you enroll with My Debt Advisors, your monthly payment is directed toward covering actual legal services not just negotiations.
Unlike typical debt settlement companies, which charge fees for arranging payment plans, our model prioritizes legal representation and debt invalidation. If you’re ever sued, our attorneys will defend you in court a service that most debt settlement companies do not provide.

No, we do not offer debt consolidation services.
At My Debt Advisors, we specialize in debt validation, not debt consolidation. Rather than simply combining your debts into a single payment plan, our legal team investigates the validity and enforceability of each debt. We explore every legal avenue to potentially invalidate the debt entirely before considering any form of settlement.

Debt settlement companies often work to reduce your balances but they may also profit from the difference between the original debt and the negotiated amount, sometimes earning more than you save.
At My Debt Advisors, your interests come first. Our goal is to completely nullify your debts whenever possible, leaving you with no balance to settle. If we do negotiate, it’s only after we’ve exhausted all legal arguments to invalidate the debt.

Our approach begins with a formal debt validation process. We demand that original creditors and third-party collectors provide complete documentation to prove the legitimacy of each debt. If they cannot supply the required evidence, they lose the legal right to collect and your debt may be deemed invalid.
We also analyze your case for any violations of federal consumer protection laws (like the FDCPA, FCRA, TILA, and more). If violations are found, we can pursue legal action and in many cases, creditors may be fined, and your debt invalidated as a result.

At My Debt Advisors, the debt validation process typically takes between 18 to 24 months. This timeline allows for a thorough legal review and multiple rounds of communication with creditors and collectors. While you may not receive daily updates, rest assured that our legal team is working consistently behind the scenes to pursue the strongest outcome on your behalf.

Absolutely. When you enroll, our attorneys will assess your specific situation whether you’re facing aggressive collection tactics, lawsuits, or need guidance on invalidating debts and build a strategy that fits your needs. Our legal services are always tailored to your financial reality, with your long-term protection as our top priority.

Federal laws apply differently depending on the nature of your debt and the entity attempting to collect it. For example:

• FDCPA (Fair Debt Collection Practices Act): Applies only to third-party debt collectors, not original creditors.
• TCPA (Telephone Consumer Protection Act): Regulates how and when you can be contacted by phone or text.
• EFTA (Electronic Fund Transfer Act): Governs unauthorized debits and electronic payment violations.

Our legal team knows when and how to apply these statutes, and we use them strategically to protect your rights.

We recommend assessing your own financial capacity first.
While we provide legal support, the decision to stop payments to creditors should be based on your ability to manage your finances independently.
We do not give blanket recommendations but will advise you based on your situation and legal risks.

It’s normal to see fluctuations in your credit score while you’re enrolled in our program. However, once the process is complete and your debts are resolved either through invalidation or favorable settlement many clients see their credit scores return to baseline or even improve over time.