Are You Living In California and Need Help with Debt Relief?

Quit Losing Sleep Over Credit Card Debt Bills

Learn How A California Debt Settlement Law Firm Can Put You Back on The Path of Financial Freedom!

The Real Truth About Paying Credit Card Minimal Payments  

·       By just paying the monthly minimum payment on credit cards it will take at least 38 years to pay the balances off!
 

·       Even without adding anymore debt to your present debt balance you will pay back more than four times what you owe now in interest alone! (and remember this is with a low interest rate) 
 

·       In 2009 the credit card companies profited over 20 billion dollars in penalty fees alone! Did you add to that number? Are you going to keep adding to that number every year?
 

·       In 2003 penalty fees such as late charges were on average $10, as of 2009 the average fee for a late charge is almost $30! (and this is expected to continue to increase annually!)
 

·       Each year millions of US residents continue running on the "credit treadmill", the vicious and endless cycle of monthly minimums and high interest; this is a recipe for financial disaster! Are you or your family stuck in this position?  Take action and do something about it now.
 

When searching for credit card debt relief
 

 The most frequently explored options are

 

·       A lot of debtors first try to get in touch with the credit card companies in a hopeless attempt to have them help and possibly decrease their minimum payments or interest rate; only to realize they will not work with them whatsoever! They get unwary American consumers trapped on their credit treadmill and want them to keep running there for the rest of their lives.
 

·       The following option many debtors look into is to apply for a debt consolidation loan to get a reduced payment and interest. Only to be denied because they are too high of a credit risk; especially with today’s financial market this option has become much more difficult to explore.
 

·       The next option many debtors look into is Consumer Credit Counseling only to be astonished that the payments are either equal to or more than what they pay out towards minimum payments each month, in addition to the programs being set up to take over 5 years!
 

·       At this point a lot of people give up and seek out a local bankruptcy attorney only to find out just how difficult and embarrassing this will be. A bankruptcy will remain a public record for life!  In addition to being on their credit report for up to a decade.
 

Does this sound like you? Have you tried any of the above options?

Are you still searching for the "Correct Solution"?
 

There is another choice. 

 Debt Resolution 

(Which is the debt settlement process handled under
 the guidance and protection of a law firm) 

This country’s massive economic downturn, accompanied with higher State taxes and soaring unemployment has reaped a devastating effect on the residents of California. Not only is the State of California’s present debt situation getting way out of control so are it’s citizens personal debt situations.

Tens of millions of consumers throughout the United States, as well as consumers living in California have been depending on their credit cards to handle their monthly expenses due to income shortfalls and other repercussions of the recession.

For those that are falling behind or are on the verge of doing so with credit card minimum payments, credit card debt settlement has quickly become the single most effective form of California debt relief.

For indebted consumers living in California, debt settlement has proven time and again to be an effective way to get rid of credit card debt, by properly setting up a well structured plan that will benefit the consumer by saving a significant amount of both money and time.

Put in the care of an experienced negotiator, debt settlement has in the majority of cases saved the debtor around fifty percent of what they currently owe towards their creditors and has helped them escape the financial grip of credit card debt in just a couple of years.

What most people don’t understand about debt settlement is that law firms in California offer debt negotiation services that can benefit the debtor much more than using a standard debt settlement company; a law firm can offer the debtor much more protection under the law and can help make the process much smoother and more effective.

A lot of debt settlement companies claim they are a member of a National Debt Settlement Association; however many of these associations can offer no help to debt settlement companies in California.  Reason being is because there are extremely strict laws in California and most debt settlement companies simply are not in compliance with these laws. 

It is crucial to get the best possible results with the debt settlement process in California to retain the services of a California debt settlement law firm that has a vast working knowledge of the Consumer Credit laws within California.

Don’t jeopardize your financial well being by signing up with a debt settlement company that is not properly registered and in compliance with all the laws and bonding required in California.  Your future financial success is riding on this process being handled the right way and signing up with a company that may get shut down by the Attorney General’s Office of California can result in you losing a tremendous amount of money and still being stuck in debt!

If you are interested in learning more about how a California debt settlement law firm can help you then simply click the link below and fill out an application form to speak with a debt analyst. 

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