Lawyers cost a lot, and they aren't likely to be able to do more for you than
you can do for yourself, except perhaps serve as an educator as to why you had the
impression that lawyers were expensive in the first place. Most of the time, you
can resolve these things without a lawyer. Your best strategy is to collect all
of your collection notices and consult a counseling service, and then make the initial
calls yourself. The worst they can do is say they can't help you. The lawyer will
be there in case you need him or her… I promise.
A Way Out
Self help debt negotiation may be a good option for you for getting out from
under. Most people do not have the experience or skill it takes to negotiate debt
elimination or reduction and the term credit repair may sound more daunting than
it actually is.
Debt negotiation may also be referred to as "arbitration," and it's different
from debt consolidation. The difference between this and consolidation is that consolidation
is basically taking out a new loan with lower payments for a longer payback period.
Be aware that is the last resort before filing bankruptcy. It is usually used
when an account is several months behind in payments.
The Next Step
First, test the waters by calling around to different debt consolidation offices.
If you are contacting your creditors by yourself, these companies can give you good
advice as to how to proceed when talking to them over the phone. Many are non-profit,
and can counsel you as to where a free legal advice can be found. From the Los Angeles
California area to Miami, Florida, counseling is available all over. Just type it
into your web browser’s search box along with the area you live in- there's an abundance
of material on the subject.
Usually creditors are pretty good about working with you, especially if your
credit has been okay in general, and you have a history of not falling too far behind
on your payments.
While you are working through this there are web sites where you can get support
by joining an online forum, or discussion group. Joining a web site forum will provide
you with the motivation you need to wade through the paperwork and get your financial
life back on track.
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at some point, i think everyone needs debt help.
Regards,