Credit Card Debt
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Wall, NJ Credit Card Debt Lawyer

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.

Common Causes for Defaulting on Your Credit Card

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 lawsuit, 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.

How to Negotiate Debt With Your Credit Card Company

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.

Negotiating with your credit card companies can also result in:

  • A reduction of the interest rate or other conditions and terms
  • A reduction of the overall amount you owe
  • The end of harassing phone calls, texts, emails, and letters
  • Enhancement of your credit score as your credit card debt is paid off

At Cerbone Law Firm, we will review your financial scene as well as your objectives for getting out of the credit card debt you owe. Working out a strategy that meets your needs can then be implemented so that you can get back on track and move forward financially unhampered and free of stress.

Get the Friendly, Supportive Legal Help You Need

When drowning in debt, it is important to take action. The wrong thing to do is nothing. At our firm, we have helped thousands of individuals take advantage of the legal avenues available to tackle their debt and improve their lives. Contact us to get the positive support you need to turn around your financial situation and become debt-free.

Book your free consultation with our lawyer for credit card debt at (732) 402-0088 or connect with us online today.

The Cerbone Law Difference

  • We Are Committed To Finding the Best Solution

    We promise to give you the same advice we would give to a family member.

  • We Care About Our Clients

    Our compassion for our clients and comittment to see them succeed is the driving force behind our practice.

  • We Have Over 25 Years of Experience

    Over those 25 years we have experienced it all and have learned how to have fun doing it!

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