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Credit card debt settlement and personal debt protection bankruptcy options do exist for those who need them. But when is the right time to consider these options?
Ultimately, assuming your qualify for bankruptcy protection, only you can determine what is best for you; however the answer of credit card debt settlement or personal bankruptcy protection is not a decision you want to reach without sound legal advice. Johnson-Bryan will analyze your unique situation and inform you of all of your available options under Texas law. It is our experience that there is no "typical" debt settlement, chapter 13, or chapter 7 bankruptcy scenario. However you may be a candidate for one of our credit card and debt settlement services if you have any of the following issues:
- Lower available credit limits due to late credit card payments
- Higher interest rates due to late credit card payments
- Increased minimum payments due to late credit card payments
- Creditors that are no longer willing to structure a payment plan due to late credit card or mortgage payments
- Use of high interest "payday loans" to get through from one week to the next
- Creditors are calling your home, work, or mobile phone - or worse, calling references listed on any financial agreements
- More than one payment behind on any credit card or mortgage payment
- Borrowing money from any of the following:
- Personal Savings Account
- 401k or other Retirement Plans
- Life Insurance Accounts with Cash Value
- Payday Loan Companies
- Employers
- Friends or Family Members
- Coworkers
- Home Equity Loans
- Paying one credit card with another
- Have "maxed out" more than two credit cards
- Creditors have stepped up their collection efforts
- Virtually every call to your home or cell phone is a debt collector
- Personal and professional stress, and increased marital issues over money due to your mounting debts
If you have any two or more of these warning signs then you should call Johnson-Bryan immediately to learn what we can do to begin your new path to debt relief. It is not an easy step, but our experience in complete personal debt settlement and bankruptcy debt protection can help ease your stress and make a positive step in regaining control over your finances right now so that you can begin to breath easier and begin enjoying life again.