Being under a mountain of crushing debt can be physically and emotionally debilitating. Constant worry, stress, and harassment from debt collectors can make it nearly impossible to function and have a normal personal and family life. Paying for everyday expenses can be nearly impossible with huge debt payments every month like student loans, auto loans, credit cards, unpaid medical bills, etc. Debt Relief and Debtor’s Rights attorneys, like those at Guardian Litigation Group, can help. Here are several reasons why you should contact us today for advice and counsel.
Exploring and Explaining Your Options
For those suffering under crushing debt, there are actually several options for obtaining relief from the stress and worry. Filing for bankruptcy is one option and it is often the best option. A Chapter 7 bankruptcy filing can eliminate all qualified debts entirely. A Chapter 11 bankruptcy can significantly reduce debt and make payments financially manageable with a three to five year installment payment plan.
However, there are also debt settlement and debt negotiation options. In general, debt settlement involves negotiating a lump-sum payment in exchange for having the remainder of the debt forgiven. Debt settlement has the obvious advantage of reducing the total debt that you owe, but also reduces monthly payments and stops the accumulation of late fees and interest. Debt settlement is also less damaging to your credit scores. Debt negotiation is similar, but instead of eliminating the debt, negotiations may result in extending the term of the installment payments, getting an agreement to lower the interest rate, or finding mechanisms to lower the monthly payments. Depending on the nature and extent of your debt, one of these options might provide the best solution.
Challenging the Debt and Punishing Abusive Debt Collection Practices
Another option for debt relief is to examine and evaluate the debt and the amount of debt that is allegedly owed. We, here at Guardian Litigation Group, have proven experience with helping Irvine debtors vindicate their rights when faced with aggressive and abusive debt collectors. Sometimes debt collectors are trying to collect on a debt that is not owed or a debt that has passed its legal viability date. Other times, debt collectors have violated state and federal laws with respect to the abusive methods that are being used to pressure you into making payments. Contact us if you think your rights have been or are being violated. Debt collectors using unfair and deceptive collection practices can be punished and money damages can be recovered as compensation.
Stopping the Pressure
When you retain experienced debt relief attorneys, the pressure from debt collectors can be stopped. With a bankruptcy filing, the financial and emotional pressure is stopped by the automatic stay. The automatic stay is a feature of bankruptcy law that requires creditors to cease all debt collection efforts once a petition is filed. Typically, the financial and emotion pressure also stops when debt settlement negotiations start. Once you have retained attorneys to help, the phone calls and letters are sent to your attorney.
Knowing You are Not Alone in Your Fight
Another reason that you need to retain proven debt relief attorneys is to ensure that you are not alone while you fight for freedom from your debt. We can be your ally in the fight. We are here to help.
Contact an Experienced Debt Relief and Debtors’ Rights Attorney
For more information, contact the Debtors’ Rights attorneys at Guardian Litigation Group. We can help with an individual creditor or a group of creditors. We can also help if you think bankruptcy is the right option. We have the tools and experience you need. Our mission is to provide unparalleled legal services and support for those being crushed by their debts and harassed by their creditors. We can be reached via our contact page or by phone at
Being under a mountain of crushing debt can be physically and emotionally debilitating. Constant worry, stress, and harassment from debt collectors can make it nearly impossible to function and have a normal personal and family life. Paying for everyday expenses can be nearly impossible with huge debt payments every month like student loans, auto loans, credit cards, unpaid medical bills, etc. Debt Relief and Debtor’s Rights attorneys, like those at Guardian Litigation Group, can help. Here are several reasons why you should contact us today for advice and counsel.
