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Is your debt spiraling out of control? Are you searching for assistance so that you don’t have to file for bankruptcy? Don’t let your debt control your life. At Russo and Rieke, we understand what it’s like to have tons of debt hanging over your head. That’s why we specialize in debt relief programs. Whether you want to consolidate, eliminate, or negotiate a better deal, we can help you with this burden. Find out more about how our legal services can assist you with your debt situation.
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Unfortunately, debt is a common thing for most people these days. In fact, Americans owe trillions of dollars in debt every year, whether it’s from credit cards, student loans, home loans, or a combination of different sources.
No matter how you got into debt, having it hanging over you can be a massive burden, and it can lead to all kinds of stress, depression, and anxiety. No one wants to get into so much debt, but it seems to be an inevitable part of modern life.
At Russo and Rieke, we know how easy it is for things to spiral out of control when it comes to debt. We also know that it’s much better to have a legal professional on your side so that you can manage your debt relief more effectively.
The fact is that you probably aren’t the best person to renegotiate your debt. Unless you have years of experience dealing with creditors, they will know much more about how the system works and what your legal rights are. That’s where we come in.
We offer a variety of debt services, from consolidation to elimination. Here’s a brief overview of what we can do for you. Feel free to contact us today to find out what your options are so we can help you get started.
Debt Consolidation
One common issue faced by many people is that they are repaying debt from multiple sources. For example, you could have credit card payments, car payments, and payday loan repayments coming out of your paycheck every month. When all is said and done, that can add up to a lot of money out of your pocket just to pay off debt.
A consolidation is an excellent option for most people because it creates relief without forcing you to declare bankruptcy or hurt your credit rating. While each case is different, the primary purpose of consolidation is to roll all of your debt into a single source. This way, you’re just making one monthly payment instead of several, and you will usually be saving a lot more overall.
There are a few ways to consolidate your debt, and we’ll work with you to find the right option for you. In some cases, we may even be able to renegotiate your debt total so that you don’t have to pay as much. This is because many creditors are willing to accept partial payment instead of no payment.
The reason that you want to rely on our expert legal team for debt consolidation is that we understand how to talk to creditors and we know your rights. This allows us to negotiate on your behalf without the risk of being undersold or exploited.
If you tried to handle things on your own, you will probably get the runaround or be told misinformation that could lead you to accept a deal that isn’t conducive to your needs.
Debt Elimination
Although this option can provide the best relief for many people, it’s not always a viable route. In this instance, we will determine if some or all of your debt can be wiped out so that you no longer have to pay it off. For the most part, creditors are unwilling to make such sweeping adjustments to individual debt, but if you have extenuating circumstances, it may be a possibility.
Depending on your situation, we may try to eliminate your debt first before we do anything else. If that doesn’t work, our next option is consolidation and then bankruptcy.
Bankruptcy
Typically speaking, we advise this as a last resort. Because bankruptcy can be such an ordeal and a time-consuming process, it’s not ideal to have it as your first line of defense. This is why we will make sure to exhaust other possibilities first before trying this option.
Nonetheless, if bankruptcy seems like a viable solution to help you get out of debt, then we offer expert advice in handling your case. You should never try to file for bankruptcy on your own. You will need a lawyer to make sure that everything goes correctly, so let us take care of all of the details for you.
We will work with you every step of the way to ensure that your bankruptcy filing is as smooth as possible. We will look at your case and determine the best course of action so that you can recover quickly and move into a debt-free future.
Contact Russo and Rieke Today
Debt doesn’t have to be an ordeal that you face alone. Let our team of professionals help you figure out the best way to reduce or eliminate your debt so that you can breathe easier. We know how stressful your situation can be, which is why we are dedicated to providing the best services possible.
Call us today and see how we can help you.