Make Wise Decisions With a Sonoma County Debt Settlement Lawyer
When you are faced with overwhelming amounts of credit card debt and other forms of debt, it can be tempting to rush into something that seems like a quick fix for your problems. Debt consolidation is one such quick fix that is offered to people in debt. The commercials make it seem like these programs will easily and painlessly wipe debt away clean, but in many cases, these programs can actually cause much bigger problems for people who are already desperate.
Fortunately, there are real solutions out there for people in debt. At the Law Offices of Brian A. Barboza, we help our clients avoid debt consolidation mistakes and assist them through the process of consumer bankruptcy. Before you enter into a program that you will regret, it is important to look over all of your options with an attorney who will look out for your best interests.
Contact our office in Santa Rosa to schedule a free initial consultation at 707-304-5251 or toll free at 866-965-2831.
Dedicated Representation From a Santa Rosa Debt Consolidation Attorney
There are many reasons why debt consolidation can be less effective for people in debt than Chapter 7 and Chapter 13 bankruptcy. Often, the agencies that offer debt consolidation services advertise wild promises that seem too good to be true — and generally they are. Avoid getting scammed by:
- Protecting your private information, such as Social Security numbers, account numbers and other personal data
- Verifying the legitimacy of these agencies with the California Attorney General's Office or Federal Trade Commission
- Comparing the monthly fees the agency offers. Lower fees often mean higher rates.
- Avoiding "quick fix" solutions, because there are no instant cures for debt, and the promise of quick results usually masks other hidden problems
- Asking questions about what the program will and will not do for your credit
If you are considering debt consolidation, please talk with an attorney and discuss your needs before agreeing to any program that may further compromise your financial health. Attorney Brian A. Barboza offers free initial consultations where you can talk about your options and get the honest advice you deserve.
Learn More Information About Your Rights
Debt consolidation programs may sound tempting because of what they promise. In many situations, however, they do nothing to solve problems and only make situations worse. Instead, contact a knowledgeable bankruptcy attorney at the Law Offices of Brian A. Barboza. Schedule a free initial consultation by calling 707-304-5251 or toll free at 866-965-2831.
