How it Works

Call to schedule an appointment
The first step to resolving your debt begins with calling us to schedule an appointment. We realize this may very difficult for you and assure you that there will be an understanding voice on the other end of the line.

Meet with an attorney to determine the best course of action
During your appointment, you will meet with an attorney who will give you undivided attention. Together, the two of you will determine which debt-relief option is your best course of action.

Begin the process
At this stage, you may choose to retain our firm and begin the process of resolving your situation. While we make it easy with affordable fees and payment plans, there is no obligation whatsoever to proceed.

Define short-term and long-term solutions
When you retain Kellam, Pickrell, Cox & Tayloe, we address your short-term financial emergencies immediately and then begin to work on your long-term solution.

Stop creditor harassment
If we are representing you in resolving your debts, you may direct your creditor’s calls to us and we will stop their harassment by enforcing the provisions of the Fair Credit Debtor Protection Act.

Develop strategies to rebuild your credit
As your case nears completion, your attorney will help you develop strategies to rebuild your credit. These may include assisting you in securing a mortgage to refinance your home or to buy your first home.