Valencia Debt Relief Lawyer
Debt Relief Methods
Many methods of debt relief are available to those who are no longer able to meet their financial responsibilities, due to loss of a job, reduction in income, serious illness, or other unfortunate circumstance. While bankruptcy is the primary method of releasing one from substantial debt, there are other options for individuals who would like to avoid the credit impact that bankruptcy can have.
These include:
- Debt negotiation - In the event that one is unable to afford the payments attendant to a certain debt, they can negotiate with their creditor for more favorable terms, including a lowered interest rate, waiving of penalties and fees, or a longer period of time in which to pay off the debt, thereby lowering the payments.
- Debt settlement - Many creditors are willing to settle a debt for pennies on the dollar, as an alternative to legal action or receiving no payment at all. In some cases, debtors can settle a debt for as low as 25% of the original amount.
- Debt consolidation - Debt consolidation companies work on behalf of debtors by accepting a monthly payment from them, and then splitting up the payment to their various creditors. In theory, this provides the debtor with a more easily manageable way to pay their debts.
Financial Recovery Law is available to provide individuals throughout the Valencia area with a multitude of debt relief services, including debt settlement and loan modification. We have helped thousands of individuals in our years of practice, with service that is customized to each client's specific financial situation. Contact a Valencia debt settlement attorney at our firm today, and we will find a debt relief method that is optimized to help you achieve your goal of a debt free life.
The Importance of Hiring an Attorney
Many companies offering debt relief or debt consolidation services are only interested in making money, and do not operate in the best interests of their clients. In some cases, they can even make things worse. If you are seeking an effective means for ridding yourself of debt, it is advised that you hire a qualified attorney who will work for you with your financial goals in mind.
If you are in possession of substantial debt and are unable to make ends meet, contact a Valencia Debt Relief Attorney who may be able to help you improve your financial situation.
Real Stories From Real People
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"Clearly understood"Great explanation. Clearly understood. Ready for the next step!- Benjie B.
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"Thank you for your help."Very informative and highly recommended. Thank you for your help. God bless you Attorney Ray.- Michael C.
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"Very impressed"Very impressed with Mr. Bulaon. He is obviously very good at what he does. He is friendly, smart, and patient and makes you feel comfortable right away. I wouldn't hesitate to hire this firm or recommend him to anyone needing the service he provides!- Traci B.
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"Very professional and kind person."Very helpful. Explained every possible way to solve my case. Very professional and kind person. Thank you for helping me again.- Normita
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"Thank you"After being frustrated with our case being prolonged by another firm, I found Mr. Bulaon of RJB Law Offices. I was very pleased with our initial meeting. I look forward to getting our case resolved finally and behind us. My only disappointment was with myself for not finding Mr. Bulaon sooner. Thank you.- Verla R.
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"Thanks for all your help"Best lawyer and crew. Thanks for all your help!- Marco J.
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"Very professional"Very professional and informed, his knowledge of our situation was obvious and I feel we will come to a great resolution.- Michael G.
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"They really want to help"Very informative and patient and seemed to really want to help.- Greg W.