The Social Security system is in place to help us through difficult times. Unfortunately, there are some instances in which the system makes our lives even more difficult than they need to be. The day I received the denial letter for my claim, I wasn't sure what I was going to do. After talking with a few friends, I contacted a lawyer. That was the best decision I had ever made. Even with the professional assistance, getting the denial overturned and getting the money that I was owed took several months. I have kept a clear journal of my experience and loaded it with information that can help others get through what can be an impossible time.
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Social security denial - a journal of assistance
3 Ways A Debt Relief Lawyer Can Help You With Loads Of Unpayable Credit Card Debt
Alexis Garcia
When you have good credit and a relatively good income, it is not hard at all to get approved for a series of credit cards. While having access to these lines of credit so you can buy what you need is valuable, it can also lead you into a load of debt. If something changes with your financial circumstances and you can no longer make your payments, your credit card debt can follow you around like a haunting nightmare. Speaking with a debt relief lawyer is perhaps one of the most intelligent decisions you can make if you ever get into this situation. Here is a look at how these legal professionals may be able to help.
The lawyer may be able to negotiate a lower settlement for pay off
Credit card loans are considered unsecured debt. In other words, a lender offered you a line of credit without requiring that you place anything up for collateral. With unsecured loans, if you can't pay the money back, the lender is facing a full loss, and that is definitely not what a lender wants to do. In many cases, a lender will be more than willing to negotiate a payoff settlement amount lower than what you actually owe if there is a risk you will not be able to pay what you owe. A debt relief lawyer is the best professional to trust with these negotiations.
The lawyer may be able to help you deter legal actions against you
Even though there is no debtor's jail in the United States, a credit card company can still pursue legal action against you if you do not pay them what you owe. For example, the lender can take you to court and get a judgment entered against you, which means they can pursue actions like wage garnishment. If the credit card company has threatened to take these actions, the debt relief lawyer may be able to help hold off those actions.
The lawyer may be able to help you look at bankruptcy options if necessary
If the credit card company will not accept a settlement for what you owe and they are aggressively pursuing legal action, filing for bankruptcy may be your best option. Bankruptcy filings can vary depending on your personal financial situation. The debt relief attorney can help you examine viable options for your situation so you can move forward with confidence that you are making the best decision.
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