For many who are suffering under the weight of overwhelming debt, filing for bankruptcy may seem like an option that is difficult to accept. Debt consolidation may seem to be a more responsible or less embarrassing alternative to bankruptcy. It may seem appealing to those who want to honor their debts and obligations.
However, the reality of what debt consolidation can do to help you and how quickly it can help you are often greatly exaggerated by debt consolidators. It is critical that you educate yourself fully about all available options for debt relief, including bankruptcy, before you make the decision to commit to working with an Orange County or San Diego debt consolidation attorney.
Debt Consolidation Attorneys in San Diego & Orange County
At Boyd Contreras LLP, our Orange County & San Diego debt consolidation attorneys can help you understand what bankruptcy can do for you. We will talk to you about your current situation and your goals for the future. We will analyze your situation and explain to you exactly what options are most likely to offer the most relief. If debt consolidation is the best option, we will advise you to do it. Ultimately our debt consolidation attorneys in San Diego will advise you to do what is best for your particular situation.
What Debt Consolidators Fail to Tell You
In debt consolidation, you agree to make a single, large monthly payment to a debt consolidator who will then negotiate with your creditors in an effort to get them to accept less than what you owe them. Your monthly payment to the debt consolidator will be divided between your creditors.
This can take several years to complete. During that time your credit rating will be continually suffering damage from creditors who are not getting what they want from you.
Bankruptcy can allow you to begin rebuilding your credit right away. Your credit may be well on its way to a full recovery before you would even be through with debt consolidation.
Contact Our San Diego Debt Consolidation Lawyers Today!
Our attorneys help clients through out Southern California including these cities and counties:
- San Diego County
- Chula Vista
- El Cajon
- La Mesa
- La Jolla
- Orange County
- Irvine
- Santa Ana
- Newport Beach
- Laguna Beach
- And More
If you are facing the challenge of overwhelming debt, you need not face it alone. Our Orange County & San Diego debt consolidation lawyers can help you fully understand the process. We will dedicate ourselves to understanding and achieving your goals. That is our promise. For a free initial consultation with one of our debt consolidation lawyers, call 619-378-4033 to reach our San Diego or Irvine office or simply contact us online.
Pursuant to 11 U.S.C. section 528(a)(4) of the bankruptcy code, we are required to state: we are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Related Content: San Diego Bankruptcy Attorneys | San Diego Debt Relief Attorneys
