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.
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
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.