Credit Counseling

Living paycheck to paycheck? Worried about debt collectors? Can’t seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may be considering the services of a credit counselor.

Credit counseling is a service that educates and guides consumers who are trying to gain control of their finances.

It also is helpful for people unsure of how to approach their creditors about a settlement, or a payment plan and would like help with that process.

At the Law Offices of Raymond Perez we will provide your with guidance.

Debt Relief 

Debt Relief Options for Credit Cards

Some debts are too big to handle simply by tightening your belt or exercising better budgeting techniques. When you start to feel like your debt is out of control, it’s time to consider your options to find debt relief. There are a variety of different options you can choose, but the goal of each is to help reduce the monthly burden of your debts to make paying back what you owe more manageable.

If you’re facing mounting problems with credit card debt, consider all your options carefully – the right solution can mean the difference between getting your finances.

5 relief options reveal if you can handle your debt or if you need help:

• Debt Relief Option 1: Interest Rate Negotiation

• Debt Relief Option 2: Balance Transfer

• Debt Relief Option 3: Debt Management Program

• Debt Relief Option 4: Debt Settlement

It’s important to note that debt relief doesn’t just apply to credit card debt. In fact, there are relief programs that work for any type of debt you have – from mortgages to unpaid tax debt. If you’re struggling with more than just credit card debt or another type of debt is causing challenges in your financial life.