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Credit Card Debt Top-Rated Attorneys in Los Angeles

Los Angeles Credit Card Debt Lawyers

Credit Card Debt Relief California

Everyone is struggling with the high interest rates of our once beloved credit cards, and it can be hard to find solutions and get back on the right track to financial solutions. An experienced bankruptcy lawyer in Los Angeles can help you evaluate your options and consolidate your credit card debt. You could even find a way to get debt relief while you avoid bankruptcy.

At the law offices of RHM LAW LLP, serving clients in San Fernando Valley and throughout Los Angeles, Riverside, San Bernardino, and Orange Counties, we help our Southern California clients consolidate their debt and get immediate relief through bankruptcy. You do not have to go through this difficult process on your own. We can help you find solutions to your credit card debt.

Contact our firm by calling (213) 344-0043 today for a 30-minute risk-free consultation. It could be your first step out of the dark and into the light.

Options for a Fresh Start

You can use either Chapter 7 bankruptcy or Chapter 13 bankruptcy to eliminate your credit card debt.

Our attorneys can help you explore your options and find the financial solutions that work for you:

Chapter 7 bankruptcy for consumers: If you qualify for Chapter 7 bankruptcy, you will get to eliminate all of your dischargeable debt immediately, including credit card debt.

Chapter 13 bankruptcy: By creating a payment plan you can afford, you can make timely payments on your credit card debt over a three-to-five-year period until it is finished.

While bankruptcy provides many excellent options, it is not right for everyone. We also help clients explore other options for paying off their credit card debt, such as loan modifications.

When to Consider Hiring a Credit Card Debt Attorney

Facing mounting credit card debt can be overwhelming, leading many individuals to seek professional guidance. While managing debt independently is feasible for some, there are scenarios where hiring a credit card debt attorney becomes not just beneficial but imperative. Understanding when to enlist their expertise can significantly impact one's financial well-being.

  • Complex Legal Proceedings: Navigating the legal intricacies of credit card debt can be daunting. When creditors escalate the matter to court or file a lawsuit against you, seeking legal representation becomes crucial. A credit card debt attorney possesses the expertise to handle legal proceedings adeptly, ensuring your rights are protected throughout the process.
  • Negotiating Debt Settlements: Engaging in negotiations with creditors to settle outstanding debts requires finesse and legal know-how. A seasoned credit card debt attorney can skillfully negotiate on your behalf, aiming to secure favorable terms such as reduced settlements or extended payment plans. Their negotiation prowess can potentially save you a significant amount of money and alleviate the burden of unmanageable debt.
  • Defense Against Creditor Harassment: Experiencing relentless harassment from creditors and debt collectors is not only distressing but also illegal . A credit card debt attorney can intervene, putting an end to harassing phone calls, letters, or threats. They have the legal authority to communicate with creditors on your behalf, providing a shield against abusive collection tactics.
  • Asset Protection: In cases where creditors pursue aggressive collection actions, safeguarding your assets becomes paramount. A credit card debt attorney can employ various legal strategies to protect your property, wages, and other assets from seizure or garnishment. By leveraging their knowledge of debtor protection laws, they can help you preserve your financial resources and maintain stability amidst debt-related challenges.
  • Comprehensive Legal Counsel: Beyond addressing immediate debt-related issues, a credit card debt attorney offers comprehensive legal counsel tailored to your financial situation. They can assess your overall financial health, provide personalized advice on debt management and bankruptcy options, and devise a strategic plan to achieve long-term financial stability.

RHM LAW LLP Is Here for You

Providing a casual and accepting environment from our San Fernando Valley and Los Angeles offices, our attorneys offer big firm experience in a smaller firm setting. Open Monday through Friday, we offer 30-minute risk-free consultations from 7 a.m. to 7 p.m., as well as weekend appointments. Long-term payment plans are available to help you through this difficult time.

Our Los Angeles bankruptcy attorneys can give you the tools you need to succeed. Contact us at (213) 344-0043 to get started. 


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Committed to making the process as stress-free as possible for our clients, our Los Angeles bankruptcy attorneys and dedicated staff will handle everything for you. From filling out paperwork through getting end results, we will work to help your case run smoothly and efficiently. We serve our clients in English, Spanish and Farsi.