Credit Card Debt Lawyer in Wall, NJ
Consumer Debt Relief Representation in Wall, Toms River, & Beyond
Consumer credit card spending is widely prevalent in our society today
and one of the easiest ways to become overburdened with debt. You may
be worried that you will not be able to pay your credit cards on an ongoing
basis along with your other monthly bills. Without this debt, you may
feel that you would be able to move forward in meeting your monthly expenses
and possibly saving for the future. When falling behind on credit card
payments, you have likely accrued penalties or fines or may be facing
an increased interest rate. You may also be facing phone calls, texts,
and letters from your credit card companies adding further stress and
anxiety to your situation.
Defaulting on your credit cards can be easy to do when faced with financial
problems stemming from various situations, such as illness, injury, medical
expenses, job loss, or other devastating circumstances. At Cerbone Law
Firm, we understand how this can happen and are here to provide you with
solutions that can help you regain control of your financial scene and
move toward a brighter future. With over 25 years of debt relief experience,
we can help you find the best ways to proceed to resolve your consumer
debt through trusted legal advice and guidance.
Learn how your credit card debt can be resolved. Reach out to our Wall,
NJ credit card debt attorney to book a free consultation either at
(732) 402-0088 or through our
online request form.
Credit Card Debt Options in New Jersey
Because of late fees and interest, your credit card indebtedness can rapidly
increase over time even without adding to it with new charges. This makes
handling your debt increasingly hard. This type of consumer debt is called
“unsecured” because it is not backed by anything physical
as collateral, such as a house or car. When you go too long without keeping
up with such unsecured debt, you face the prospect of accumulative late
fees, your account being turned over to a collection agency, continual
harassment about your debt, and the eventual prospect of a law suit, wage
garnishment, or repossession.
One option for handling such a situation can be through the filing of a
Chapter 7 or
Chapter 13 bankruptcy. After such a filing, your creditors will no longer be able
to contact you about your debt and it can eventually be discharged by
the court. Cerbone Law Firm has successfully handled over 10,000 cases
with a client satisfaction record of 99 percent. We provide competent,
positive, and supportive legal action every step of the way so that you
fully understand all aspects of the bankruptcy process and can reap its benefits.
Another option for handling credit card debt is through negotiation with
your credit card companies. Our experienced debt relief attorney may be
able to negotiate an agreement that consolidates what you owe and allows
you to make one monthly payment.