Considering bankruptcy? See reviews, photos, directions, phone numbers and more for Debt Relief Legal Center locations in San Diego, CA. The legal team at the Debt Relief Legal Clinic is dedicated to helping you find the right solution to your debt … 952.544.6800 Find the right California Debt Relief lawyer from 208 local law firms. Read our debt relief success stories about people just like you who are now living a life free of debt. Here are 3 examples of how debt relief programs in Chicago can help resolve credit card debt: $20,000 of credit card debt with an average interest rate of 30% a monthly payment of $301.50, could resolve your debt in 36 months $25,000 of credit card debt with an average interest rate of 30% a monthly payment of $357.06, could resolve your debt in 36 months $30,000 of credit card debt with an average interest rate of 30% a monthly payment of $412.61, could resolve your debt in 36 months (click here to try debt calculator and get more quotes) Talk to Expert [njt-gpr location='Golden Financial Services' place_id='ChIJo17S0FtM2YARRQNurWXFB68' review_filter='5' review_limit='5' review_characters='20' column='1' btn_write='Write a review' cache='None' ] Chicago, Illinois - Debt Settlement Golden Financial Services doesn't recommend or currently offer debt settlement for consumers in Chicago, there are much more effective options available that even include credit repair. The Gamez Law Firm is in the business of saving money for our clients with all kinds of debt from bankruptcy to credit card debt and student loan debt. California Credit Card Debt Help – Debt Relief Lawyer, Do you need credit card debt help or other debt relief? The Federal Reserve buried the City of Chicago even deeper in debt after raising interest rates four times in 2018. The preferred debt relief programs in Chicago are either debt validation, consumer credit counseling with a licensed company or debt consolidation. Chicago debt validation may be the least expensive route to deal with your debt and credit issues. Find help with debt problems and ways to live a financially successful life! Call Today To See How We Can Help: (206) 535-2559. Top that off, with the fact that the Federal Reserve just raised credit card interest rates in 2018 not once but three times and more rate-hikes are predicted to come over the next year, according to the CME FedWatch Tool – and we've got a serious financial mess to deal with in the City of Chicago. Debtors Anonymous offers hope for people whose use of unsecured debt causes problems and suffering in their lives and the lives of others. Consumers in Chicago have lower credit scores on average, compared to the rest of the nation. {"@context":"http://schema.org","@type":"NewsArticle","mainEntityOfPage":{"@type":"WebPage","@id":"https://goldenfs.org/illinois-debt-relief/chicago/"},"headline":"Chicago Debt Relief","image":"https://goldenfs.org/wp-content/uploads/2016/11/Chicago-Debt-Relief-.jpg","datePublished":"2016-11-07","dateModified":"2018-07-20","author":{"@type":"Person","name":"Paul J Paquin ","url":"undefined"},"publisher":{"@type":"Organization","name":"GoldenFs.org ","url":"https://goldenfs.org ","logo":{"@type":"ImageObject","url":"https://goldenfs.org/wp-content/themes/u-design/updated-homepage/assets/images/logo.png"}},"description":"How bad are Chicago's debt and financial problems? However, in some cases, a debt will need to be settled. A fierce advocate for consumers who need debt help, Daniel strives to give his clients a life free of debt. Your state Attorney General’s office can help you find out your rights under your state’s law. Contact a lawyer referral service in your area and ask for an attorney with experience in consumer law, debt collection defense, or the Fair Debt Collection Practices Act (FDCPA). If you owe the IRS, tax relief may help. Read from the Gamez Law Firm’s debt relief Blog with our extensive collection of blog posts covering debt issues of all kinds from debt settlement to bankruptcy, credit repair, wage garnishment, debt relief tips and more. a monthly payment of $301.50, could resolve your debt in 36 months, a monthly payment of $357.06, could resolve your debt in 36 months, a monthly payment of $412.61, could resolve your debt in 36 months (. Debt relief law firm in San Diego. When it comes to debt, you’re not alone. Personal Bankruptcy. Golden Financial Services - A Chicago Debt Relief, Consolidation, and Settlement Company After 15 years in business and maintaining an A+ BBB rating - Golden Financial Services has extremely effective debt relief programs. Visit this page next to learn more about student loan consolidation. Get help now. Before you retain a bankruptcy attorney in Chicago, apply for debt relief through Golden Financial Services. You can pick from multiple plans and get an affordable payment, and you can even switch to another plan over time if your income changes, depending on what's feasible for you. Need Credit Card Debt Relief, Debt Settlement or Consolidation Help? Get a personalized plan to get out of debt at, Do it Yourself Student Loan Consolidation, click here to try debt calculator and get more quotes. Click here to learn more about debt validation in the state of Illinois. This type of flexibility is allowed with debt relief programs – you truly take back that lost control and the power is shifted back to you.' COVID-19 RELIEF - Call Now for info to relieve debt and Payments. The third – debt settlement – is used in desperate situations where the debt … Debt sticks to consumers in Illinois longer than in another state, adding to Chicago's financial problems. The consolidation … Here’s why you should skip debt … The first two are aimed at consumers who have enough income to handle their debt, but need help organizing a budget and sticking to it. 1. The reason that Chicago residents are struggling to pay their credit card debt, is not because they did anything wrong, it’s because of financial hardship and high-interest rates. Download our FREE eBook on Credit Card Debt Settlement to start your path to living a debt free life! (858.217.5051), National Collegiate Student Loan Trust Lawsuit Defense, Bank Levies and Wage Garnishment Attorney, Student Loan Debt Settlement Ultimate Guide, Guide To Your Credit Score and Credit Repair, What To Do If Sued By Wells Fargo For Credit Card Debt. You may … Programs are available besides bankruptcy, to help consumers who can’t afford to stay current. Talk to a debt counselor toll free: 800-300-9550. Learn more. That’s why dishonest companies that promote too-good-to-be-true debt-relief programs continue to rank as the top consumer complaint received by the Federal Trade Commission. Our research team vetted 21 tax relief agencies that are rated by more than 2,481 customers. ... A professional financial counselor is trained in the art of dealing with debt collectors and can help you make peace with collection services. Strong, Jacob & Associates LLC Debt Consolidation Services, Financial Services, Debt Relief Services ... (844) 598-3328. Let us help you get on the road to freedom from debt problems. It helps to lower the astounding interest rate on your loan and set up a budget-friendly repayment plan. These are the reasons why the City of Chicago is drowning in credit card debt right now. Chicago, Illinois - Debt Validation Client Example Chicago, Illinois - Debt Validation Example With debt validation, a consumer has the legal right to challenge a third-party debt collection account, where the debt collection company must now provide verification and proof that the debt is valid and legally collectible. Chicago residents can feel confident in knowing that Golden Financial Services will provide honest and accurate debt relief information. The Statute of Limitations (how long a debt collection company has to sue an individual over a debt) in Chicago on written contract accounts, like credit card debt, is 10-years. Chicago debt validation may be the least expensive route to deal with your debt and credit issues. Want to see who made the cut? California debt attorney focusing on debt settlement as a debt relief option to help with credit card debt, student loan debt, medical debt, mortgage debt & small business debt. Your Choices for Dealing With a Lawsuit. Chicago Debt Relief, Settlement, and Consolidation Programs can resolve just about any type of unsecured debt, including credit cards, third-party debt collection accounts, medical bills, bank loans and student loans. Need credit card debt help? Credit scores will go down, creditors can sue a person while on a debt settlement program, and when a debt is settled for less than the full balance owed there are potential tax consequences. If the debt collection company can’t provide all of the necessary documentation and accurate information that federal laws require them to maintain – then you don’t have to pay it. Find a local Debt Relief attorney in your state. Paul J Paquin, the CEO at Golden Financial Services said the following; “Chicago debt relief, settlement, and consolidation programs give you control and the power to make a choice based on what suits you best. The following page will explain: A. Chicago’s current financial situation and B. what the best debt relief options are in 2018. A low credit score will lead to creditors issuing loans and credit cards with subprime rates. There are many important considerations to make when seeking debt … When paying only minimum monthly payments on high-interest accounts, balances may never get paid off, but that’s what the banks want because that’s how they maximize profit. Collections Agencies Near Me. So, if you’re frustrated over debt and your creditors refuse to lower the payments, just know that you have multiple debt relief options that can help you. Even if you don’t end up hiring a lawyer, an experienced debt settlement attorney can help you evaluate the creditor’s case and your personal circumstances to determine the best course for you. We will make sure to do everything in our power to save you from having to file for bankruptcy and going down that dark road. We serve senior citizens and disabled persons struggling with debt. The City of Chicago is filled with subprime borrowers who are being overcharged in interest and who can only afford to pay minimum monthly payments or less. Student Loan Debt Consolidation in Chicago, Illinois $26,713.59 of student loan debt - consolidated and paid off in full - leaving the student with a low $52 per month payment Student loan debt consolidation is a public option. Today we will take a look at a few examples of the various types of programs and actual client results obtained. Credit scores will go down, creditors can sue a person while on a debt settlement program, and when a debt is settled for less than the full balance owed there are potential tax consequences. FREE initial consultation offered! Have student loan debt? Here is the definitive list of debt attorneys near your location as rated by your neighborhood community. But the city is not the only one who’s drowning in debt. Find 17 listings related to Debt Relief Legal Center in San Diego on YP.com. Chicago, Illinois – Debt Validation Client Example. If there is a chance of providing assistance to a consumer with high unsecured debt issues - Golden Financial Services is the Chicago debt relief company to do so! Talk with an IAPDA certified debt counselor for free. Debt settlement programs in Chicago come with negative consequences and a person should try to avoid this type of debt relief option if possible. Watch our latest debt relief videos on YouTube, FREE initial consultation! The Fed projects interest rates to rise another three times in 2019, which will result in people sinking even deeper in debt. Our debt settlement program is actually quite simple. Chicago debt reduction services can rescue you from high credit card balances and unsecured debt. WE CAN HELP. (be prepared with information about your debt & financial situation) MUST have OVER $10,000 in Debt Balance. What To Do If Sued By Hunt & Henriques For Credit Card Debt. The following page will give you the specifics that you need to understand Chicago's current financial situation and what the best debt relief options are in 2018. We will make sure to do everything in our power to save you from having to file for bankruptcy and going down that dark road. Find a Meeting. CONTACT US for a free debt relief consultation. You will not be passed off to an attorney in another state. Download our FREE eBook on Student Loan Debt Settlement to start your path to living a debt free life! Book debt relief attorney Daniel Gamez for a FREE speaking engagement. Find out about student loan debt help options, Find out if you should file for bankruptcy, Find out about second mortgage and HELOC debt options, Get legal help if you’ve been sued for debt, Debt relief options for medical bill debt, Stop debt collection phone calls and harassment, Get legal help to stop bank levies and wage garnishments, Get your car back from a wrongful repossession, 501 West Broadway, Suite 800, San Diego, CA 92101| San Diego Debt Attorney - credit card debt, medical debt, mortgage debt, small business debt, student loan debt relief services |Copyright 2020 | Gamez Law Firm. No matter whether you are facing foreclosure, bankruptcy, garnishment, or other debt related issues, we can help. 'Chicago owes $31.5 billion to pensioners, up from $5 billion in 2000. Find a member agency near me Get help now. Do you have debt you can't afford to pay? Most of the time, “debt collection companies can’t prove that you owe the money”. And the same goes for balance transfer cards. HOW IT WORKS We will set you up with an affordable monthly savings plan , (which is determined on a client-by-client basis between you and a counselor at Inland Debt ). To learn about your debt relief options for your specific debt problems, get in touch with us by using our Contact Form, call us at 858-217-5051 or email daniel@gamezlawfirm.com we’ll get back ASAP! Are there debt relief programs in Chicago to give consumers a fresh start, or are they all a scam? The Gamez Law Firm is in the business of saving money for our clients with all kinds of debt from, Debt Relief Attorney in San Diego – Dan Gamez, Unlike many of the “debt relief companies” that are often in the news for scamming consumers, we are a, We’re a small law firm and treat each client with respect. Are there debt relief programs in Chicago to give consumers a fresh start, or are they all a scam? The following page will give you the specifics that you need to understand Chicago's current financial situation and what the best debt relief options are in 2018. Call HELPS now to learn how your retirement income is protected by law and how we can help. Today we will take a look at a few examples of the various types of programs and actual client results obtained. Read our latest blog posts featuring debt relief tips & more! Talk to an NFCC Certified Financial Counselor 800.388.2227. You’ve probably heard all this already on the news, but the banks fail to talk about debt relief options. Low credit scores can make it near impossible to get a low-interest loan or balance transfer card to pay off credit card balances. Experienced debt attorney serving clients nationwide with offices in San Diego and Los Angeles, California. If you're unable to pay your creditors, filing for bankruptcy can help … Chicago residents can feel confident in knowing that Golden Financial Services will provide honest and accurate debt relief information. $20,000 of credit card debt with an average interest rate of 30%, $25,000 of credit card debt with an average interest rate of 30%, $30,000 of credit card debt with an average interest rate of 30%, [njt-gpr location=”Golden Financial Services” place_id=”ChIJo17S0FtM2YARRQNurWXFB68″ review_filter=”5″ review_limit=”5″ review_characters=”20″ column=”1″ btn_write=”Write a review” cache=”None” ]. For example, this debt was settled for $1,475.65, saving the consumer $2,740.39. This type of flexibility is allowed with debt relief programs – you truly take back that lost control and the power is shifted back to you.”. The mayor also said he would set up the framework to issue pension obligation bonds to help reduce the amount of money the city owes the retirement funds in the near term.”, “The city is still considering issuing fund stabilization bonds to increase the funded ratios of our pension funds and lower the cost of our unfunded liabilities,” Chief Financial Officer. Chicago residents have the highest default rate in the nation on credit cards, home loans, and car loans. After over 6 years of representing banks and lenders on creditor side, Daniel returned to his passion of helping people in distressed situations by opening his debt relief services law firm. There are millions of consumers who are struggling just to pay credit card minimum payments. Click here to learn more about debt validation in the state of Illinois. All Rights Reserved. Visit this page next to learn more about student loan consolidation. On top of that, if a debt is invalidated the debt collection company cannot report it to the credit bureaus. Call Golden Financial Services at 866-376-9846 for a Free Debt Relief Program Quote. Get Relief From Credit Card … After four rate-hikes, some people won’t be able to stay current on payments for much longer. Chicago residents are now more likely to miss a credit card payment than residents of any other major city, including. Plus, the average credit score in Chicago is 648, compared to the national average of 699. To be a compliant debt relief company, Golden Financial Services will give you a quote on how much you can save on each plan based on last years success rate. "}, © 2021 Golden Financial Services | All Rights Reserved. Find a member agency near me Debt consolidation loans are no longer an attractive option because of the high interest rates. National Debt Relief - A+ BBB Accredited Business - Get Relief From Credit Card Debt, Medical Bills And Unsecured Loans. Student loan debt consolidation is a public option. Here is the main reason you need a student loan lawyer to fight for you and protect you against student loan lenders, such as Navient, Discover, National Collegiate Trust, etc. (be prepared with information about your debt & financial situation) MUST have OVER $10,000 in Debt Balance. Email address: We Find Solutions For Your Debt Problems! Chicago residents can reduce balances by up to half on a debt negotiation plan. The Gamez Law Firm has been featured in top national and local media outlets including TV, radio and online publications. Consumers in Chicago have lower credit scores on average, compared to the rest of the nation, which puts them at a bigger disadvantage. Book debt relief attorney Daniel Gamez for a, free consultation with a debt relief attorney, What To Do If Sued By The Moore Law Group For Credit Card Debt, What To Do If Sued By Michael & Associates For Credit Card Debt. A note to our community regarding COVID-19. San Diego Bankruptcy Attorneys Helping You Get Free From Debt Many people are suffering from overwhelming stress caused by debt. Why does Chicago have such a big problem with credit card debt? Where the debt becomes, legally uncollectible – because creditors fail to maintain legally required records and accurate accounting, amongst other things. When a creditor sues you to collect debt … Visit this page next to learn more about student loan consolidation. Why does Chicago have such a big problem with credit card debt? Some Chicago residents start out on a three-year program but then end up getting out of debt in 18-months because they decided to speed up their program after their financial situation improved. Call or Text us today for a FREE DEBT RELIEF CONSULTATION 858.217.5051. We have an investment in our reputation in the community and we’ll deliver the, Having experienced student loan debt struggles for law school, Dan, Oftentimes, people assume going to an attorney will be expensive, but the opposite is true when our lawyer saves you money. 'Chicago residents are now more likely to miss a credit card payment than residents of any other major city, including New York, Los Angeles, Dallas or Miami', according to the S&P/Experian Consumer Credit Default Indices. Are You Receiving Social Security, Pension or Disability Income? Have student loan debt? After 15 years in business and maintaining an A+ BBB rating – Golden Financial Services has extremely effective debt relief programs. If the debt collection company can't provide all of the necessary documentation and accurate information that federal laws require them to maintain - then you don't have to pay it. Learn More. Credit card companies feel that if they issue a loan to someone who has under a 710 credit score, that they’re giving that person a second chance and because of that they can charge outrageous interest rates. — there is A LOT of money … There are different programs - designed to deal with different circumstances. With the Debt Management Plan from the national nonprofit GreenPath Financial Wellness, you become debt free faster * . Golden Financial Services doesn’t recommend or currently offer debt settlement for consumers in Chicago, there are much more effective options available that even include credit repair. ... They’ll explain the process to you, help … Since our founding in 1991, ACCC's consolidated credit counseling services and debt … A debt lawyer is someone with the knowledge, credentials and skill to help consumers struggling with debt sort through their financial troubles. Here’s a glance of what Chicago’s financial situation looks like in 2019: People can’t afford to have increased expenses, but then property taxes go up, thanks to Mayor Emanuel’s administration. Debt settlement programs in Chicago come with negative consequences and a person should try to avoid this type of debt relief option if possible. Credit card companies feel that if they issue a loan to someone who has under a 710 credit score, that they're giving that person a second chance and because of that they can charge outrageous interest rates. We offer a free initial phone … Florida Debt Relief … See What Our Amazing Clients Have To Say! ","articleBody":"Chicago Debt Relief Programs - offered by Golden Financial Services How bad are Chicago's debt and financial problems? Considering bankruptcy? View debt relief success stories from the clients of the Gamez Law Firm! For example, this debt was settled for $1,475.65, saving the consumer $2,740.39. Click to leave a review on Yelp or view testimonials. When it came to debt settlement. We offer a FREE debt consultation. When paying only minimum monthly payments on high-interest accounts, balances may never get paid off, but that's what the banks want because that's how they maximize profit. Alabama Debt Relief Programs; Alaska Debt Relief; Arizona Debt Relief; Arkansas Debt Relief; California Debt Relief. Subprime is another word for “second chance”. Free Consultation To Learn Your Debt Relief Options! A debt consolidation program can help you deal with payday loans in California. Get peer reviews and client ratings averaging 3.3 of 5.0. The preferred debt relief programs in Chicago are either debt validation, consumer credit counseling with a licensed company or debt consolidation. Helping People in California With Debt Relief Since 1975 Since 1975, the Debt Relief Legal Clinic in California, has been effectively helping clients through the bankruptcy process. Student Loan Debt Consolidation in Chicago, Illinois. You're not stuck in one plan. How bad are Chicago’s debt and financial problems? 33530 1st Way S Ste 102, Federal Way, WA 98003-7332 There are different programs – designed to deal with different circumstances. Our client reviews, law firm profiles, and live chat make it easy to find the best Debt Relief lawyer for you. We offer, debt consultation. Dan Gamez is a California debt relief attorney with offices in San Diego and Los Angeles. Credit card minimum payments are supposed to continue rising in 2019, not once but three more times. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Sign up for our Newsletter to stay updated on the latest debt relief tips, client success stories and more! You can achieve financial freedom in 2019. Paul J Paquin, the CEO at Golden Financial Services said the following; 'Chicago debt relief, settlement and consolidation programs give you control and the power to make a choice based on what suits you best.
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