Eltman Law has sent me a letter about a debt. What if I can’t afford to pay?
We know that dealing with debt can be a stressful process, and we understand if you cannot pay off the full balance right away. You have a few different options. Our customer service representatives can help you design a payment plan based on your income and expenses.
However, you can apply for hardship relief if there is a specific life circumstance preventing you from paying your account.
How do I apply for the hardship program?
Applying for our hardship program is easy! Just click on this link and fill out the form. Please note that this form goes to Eltman Law’s Consumer Advocate, and any information submitted through the form is not shared with any collections personnel.
If you have any questions about our hardship program, our Consumer Advocate can be reached at 212-660-3105.
What counts as a hardship?
Our Consumer Advocate evaluates all hardship cases on a one-by-one basis. Common hardships may include the loss of a job, a recent death in the family, or a recent medical emergency.
If life circumstances would make even a reasonable payment plan too difficult for you to deal with, our Consumer Advocate will hear your story.
I want to resolve this matter, but I can only afford a little bit at a time. What can I do?
Don’t worry! We regularly work with consumers to design payment plans that work for them. You can always contact the Consumer Advocate if your payment plan ever starts to feel overwhelming.
I was on a payment plan, but I had a major economic emergency and I can’t make my payments anymore. Now what?
We understand that bad things sometimes happen to good people. We’re happy to help. Just fill out a hardship application and we will do everything we can to make things easier for you.
I am experiencing hardship, and I am a military service member or directly related to a service member. What should I do?
You should contact the Consumer Advocate as soon as possible to discuss what programs you may be eligible for.