Kentucky Attorney Handling Credit Card Debt Problems
If your credit card debt has spiraled beyond what you can manage, you are one of millions of Americans facing this serious problem. When you are overwhelmed by calls and demands, it may seem that the law favors the creditor and collectors. We know your rights. We may be able to help you discover legal solutions.
It is common for people to wait until a creditor specifically threatens legal action to seek help. If you have received an "official" letter of any kind, mentioning arbitration or a lawsuit, please contact us now at the office of Susan B. Martin, Attorney at Law.
A credit card company may take action aimed at garnishing your bank account and your wages. This can and probably will happen if you try to ignore or avoid the problem. One good rule of thumb is this: If you hear from a lawyer, you need to talk to a lawyer.
Understanding Consequences and Learning Your Rights
Our first action for you is to gain a firm grasp of what you owe and what immediate consequences you are trying to prevent. In clear language you can understand, we explain the consequences you face from any action against you.
Attorney Susan B. Martin will determine how quickly you need to respond and what can be done in your defense. We can also assess whether consumer bankruptcy is a possible solution for your specific problem. If you are also facing the loss of your home, we can explain the strategies we apply in foreclosure defense.
Helping You Deal With Arbitration, Litigation or Threats
Specific to your credit card debt, we may be able to help in situations such as these:
- You have received a letter from a credit card company, collection agency or a lawyer which proposes or notifies you that Arbitration is being scheduled to decide on how much you owe for your credit card debt
- You have been served with a lawsuit and you must respond.
- A credit card company has already obtained a judgment against you. You face garnishment of your wages or garnishment of your bank account.
- You have been surprised by renewed collection attempts on very old debt, or debt you believe was discharged through bankruptcy — sometimes called "zombie debt” — you need to talk to someone before responding.
- You are overwhelmed and embarrassed with creditor telephone calls to your home, your work or a family member’s home.
- You have stopped opening your mail because the credit card debt just simply overwhelms you.
Many people are intimidated and at a loss when facing arbitration or a lawsuit. Susan B. Martin will not be intimidated, and our law office will make every effort to help you take the best available legal action. Contact us today for help.
We are a Debt Relief Agency. We help people file for bankruptcy under the Bankruptcy Code.
