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Credit Card Debt Lawyer in Modesto

Faced with overwhelming credit card debt?

Credit card debt affects thousands of Americans each year. It is one of the easiest forms of debt to fall into and one of the toughest to get out of once you're in it. Most people accrue serious credit card debt in their early twenties or late teenage years when they spend with reckless abandon and do not think of paying back their debts.

Credit cards can seem like "free cash" and an easy way to spend without having to worry about your bank account. If you were pre-approved for a high-limit card, they often come with high interest rates as well, and when you do not pay back the card in a timely manner, then you may be facing the serious consequences of debt.

Our Modesto Bankruptcy Attorney Can Help You Resolve Consumer Debt

Credit card debt is also known as consumer debt, and it accumulates rapidly through penalties and interest associated with use of the card. When payments fall drastically behind, consumers may start to receive harassing calls and letters from collections agencies that are trying to collect payments.

Your credit will be greatly affected, and a low credit score can sometimes cost you the purchase of a car or home in the future. So, if you are facing the agonizing fear of creditor harassment and the tension of collection calls and letters, you need to make conscious efforts to start relieving your debt. Where do you start? You can contact Scott Mitchell Law Incorporated today!

Why Choose Scott Mitchell Law Incorporated?

At our firm, we understand that you may be feeling stressed about your credit card debt, but it is important to know that you are not alone. Americans find themselves billions of dollars in debt each year from credit cards, associated interest rates, and subsequent penalties. There are many options of relieving your debt, however, such as:

  • Debt or credit counseling
  • Consolidation of your debts
  • Filing for Chapter 7 or Chapter 13 bankruptcy

Bankruptcy can be a beneficial option to those dealing with credit card debt. Once you file for bankruptcy, all creditor calls will stop and collection efforts will cease. Because most credit agencies are relying on you paying back your debt as some point, if you are considering filing for bankruptcy and speak with your lender about your option to do so, they may work with you and come up with a payment plan or option to help you avoid filing. They would, after all, rather receive their money than no payment at all.

How can a Modesto bankruptcy attorney help me?

Yes! A dedicated attorney from Scott Mitchell Law Incorporated can assist you with debt or credit counseling and evaluating all of the legal options that may be available to you. If you contact our firm today, we can schedule a free case evaluation and get started on helping you get the outcome you deserve. Call now!

Fees and Payments

Here at Scott Mitchell Law Incorporated, when it comes to fees and payments, we strive to be flexible with clients who are seeking legal representation. We offer payment arrangements, flat fee contracts, and traditional retainer agreements. We understand legal representation is necessary for all, and yet difficult for most to pay the fees all at once. Although we cannot guarantee that everyone will be able to hire us, we do promise to do what we can to make it possible for you to hire one of our attorneys to represent you.