Are you floating into the sea of credit debt trap? Well, you need to know that you are not alone in this but there are several Americans too who are facing the same kind of problem. Such situations are increasing because you are forced to swipe your credit cards due to insufficient money. Besides this, if you aren’t employed in a good firm, then you are not making good bucks for sure. Also, using the plastic money too frequently and spending beyond your means will lead to unnecessary debt problems. Do you want to overcome your debt problems? If yes, then what are you waiting for? You may take the help of a good lawyer and ask him to help you with the credit card payments. They may even help you with your rights and draft a suitable repayment plan so that you can get rid of debt problems soon.
Some ways how a credit attorney can help you with the credit bill payments
If you have accumulated extreme credit debt and you know not how to repay them, seek help from a lawyer. Check out some ways how an attorney can help you with credit card bill payments.
Stop getting the collection calls – When you ask your lawyer to help you with the credit card bills, he’ll take the responsibility of contacting your creditors so that they may not call you for the payments. However, if the creditors still call you, then your lawyer may send a cease and desist letter to them as per the rights under the FDCPA.
Determine the rights of a debtor – Being a debtor, it is extremely important that you determine your rights. Your attorney can help you in negotiating with the creditors. They can also help you with reduction in the interest rate and thus, the payments. However, you are accountable for paying the card balance that you’ve incurred.
Draft a suitable repayment plan – Your attorney may formulate a suitable plan so that you can pay off the credit card bills you owe. He will also be able to suggest you if any of the debt relief options such as consolidation, debt settlement or bankruptcy may be suitable for your situation. Besides this, he can also suggest suitable ways how you can reduce the credit card debt problems soon.
Follow the plan offered by your lawyer – Your lawyer will suggest you a suitable plan for eliminating the debt problems. It is important that you stick to the plan offered by your lawyer. Be sure that you will be able to make the monthly payments with the new plan. If you think you cannot, request your attorney to assist you how you’ll be able to make the credit card bill payments.
Mediator between you and the credit card company – You need to know that your lawyer acts as a mediator between you and your credit company. As such, if you want to talk to your creditors but aren’t comfortable, then you may ask your lawyer to help you out in this matter. This way, you will be able to solve your credit card debt problems.
Thus, these are some effective ways how your lawyer can help you with the credit card bill payments when you have piled up a huge amount.