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If you live from paycheck to paycheck, and you’re struggling to make minimum credit card payments, rest assured, you are not alone. The same situation applies to millions of Americans. In fact, in excess of 70% of Americans are, according to the American Psychological Association, extremely stressed over money.

Rather than losing sleep and being grumpy all the time because you’re so stressed out, it might be time to consider your options regarding debt resolution. What is debt resolution? This is where you or a legal representative will devise a debt resolution program – with the cooperation of your creditors or debt collectors – whereby you can pay off your debts in a manner that makes both parties happy. The parties are, of course, you and your creditors.

An Experienced Debt Attorney Can Make All the Difference

Do you really need a lawyer? Why not go it alone? Hiring a legal representative is suggested because they will be better able to supply you with concise, clear debt resolutions so you can be debt free.

Creditors are no joke. They take themselves very seriously. Unfortunately, in some cases, they have no conscience or scruples. You should not have to deal with that kind of individual on your own. That’s what legal representation is for. Debt attorneys know how to handle those types of people, as well as know all the ins and outs of a good defense in court should it come to that.

You need legal debt protection. Experienced, knowledgeable attorneys can help you protect your assets.

What Is Consumer Debt?

Consumer debt in America consists of many things, but the following are the most common:

  • Medical bills
  • Credit card debt
  • Student loans
  • Auto loans
  • Home mortgages

Debt Resolution – Step-By-Step

Here’s how to begin your journey toward clearing yourself of debt, regardless of how you got there:

  • Take a close look at your financial situation.
  • What is the true cost of your debt?
  • What trouble areas exist?
  • Your debts need to be prioritized (at the top of your list should be auto loans, mortgage, and other secured debts).
  • A spending plan needs to be established and a budgeting system set up.
  • Regarding new debts – stop incurring them or at least reduce them.
  • Make the decision that, to recover financially, you need professional assistance.

Is Legal Assistance Required?

Technically, you could attempt to resolve your horrendous debt issues on your own. If you can answer yes to one or more of the following queries, it’s in your best interest to hire a debt attorney:

  • Are your credit cards maxed out (or close to it)?
  • Are you being pursued by creditors?
  • To buy the things you need, do you rely on your credit cards?
  • Are you unable to make your debt payments because you experienced an unexpected, major expense?
  • Has there been a drop in income experienced by you or your family lately?
  • Is the minimum monthly required amount the only amount you can pay on a regular basis?
  • Are your credit card payments constantly behind?

The Most Important Thing to Know about Debt Resolution

The best steps to take toward debt resolution:

  • Make the decision that it’s time to find a resolution to your debt problems.
  • Choose the option of hiring a legal representative for assistance.
  • Open your laptop.
  • Instead of using your favorite search engine for “Austin, TX debt resolution lawyer near me”… STOP!
  • Here’s who you should contact…

Get the Best Advice for Debt Resolution from The Debt Defenders by Ciment Law Firm, PLLC

Even if you feel like you’re pretty good with money, you balance your bank account, pay your credit cards on time, and abide by all those good, responsible financial adulting concepts and duties, you can still run into problems with debt. Hire The Debt Defenders by Ciment Law Firm, PLLC for assistance.

Contact us today at 866-493-1308 for an appointment. You can also fill out our convenient online form to begin communication.