LA JOLLA, Calif., Dec. 16, 2015 /PRNewswire/ — Attorney Dan Gamez is proud to announce that his debt relief law firm has released the free eBook – The Ultimate Guide to Credit Card Settlement. If you are in credit card debt, you are not alone. Millions of people struggle with credit card debt.
"I talk to people every day about credit card debt in my debt relief law practice," says Dan Gamez. "Friends, colleagues, and potential clients all have the same typical questions about what I do and how I do it. So I thought it would be a great idea to put together this guide as a reference piece. Whether you are looking for help to do it yourself or just interested in learning more about how the debt settlement process works, this guide is for you."
Credit card debt settlement is a viable option that involves negotiating with your creditors to reduce the total amount that you will pay back. Oftentimes, you may be able to settle with the banks for 40 cents on every dollar you owe. Debt settlement contains no "secret sauce" formula. If you owe a small amount to one or two creditors, you could talk to them and settle your debts yourself. However, if you owe significantly more money, you should consider consulting an experienced debt settlement attorney.
It's often difficult to determine what defines a good settlement. Should you disclose your financials? Is the offer you receive the best you're going to get? What makes this a valid offer? Does it need to be in writing? Is the written offer valid and binding on all parties? In Mr. Gamez's new eBook, The Ultimate Guide to Credit Card Settlement, consumers will learn:
– Options for credit card relief
– What you need to know about credit card debt consolidation and debt settlement
– How to get through lawsuits with the banks
– Why hiring an attorney focusing exclusively on debt relief is a good idea
– The "process" of credit card debt settlement
There are many reasons you might find yourself unable to make regular monthly payments on your credit cards. Many consumers get in over their heads with credit card debt due to circumstances beyond their control such as medical expenses, the loss of a job, unexpected personal expenses and more.
No matter what reason or how justifiable your circumstances, creditors are usually unwilling to be flexible with payments. Interest accrues, you're subject to late fees and your balance skyrockets over time. You will receive harassing phone calls from creditors as well, demanding payment and threatening to take legal action. Plus, your credit rating will plummet, making it more difficult – or impossible – to get a home mortgage or car loan. The situation may even have an impact on your health, as these stressful times can lead to depression or other medical conditions. However, there are options for consumers and businesses to reduce or eliminate credit card debt through settlement.
"My hope is that The Ultimate Guide to Credit Card Settlement eBook give consumers clear, unbiased answers to credit card debt questions. If you read the eBook and still have questions or know someone who could use my help, I would encourage you/them to contact me for a free consultation. "
The Gamez Law Firm is a debt relief law firm operating in California that negotiates aggressively with creditors to reduce their clients' unsecured debts including credit, 2nd mortgages, Home Equity Lines of Credit (HELOCs), small business debt relief, medical debts and student loan debt.
Daniel R. Gamez, an attorney focusing exclusively in debt settlement, is licensed to practice in all state and federal courts in California and Texas. Mr. Gamez owns and operates the Gamez Law Firm in La Jolla, CA. For more information, please contact Daniel Gamez at 858-217-5051, Email or visit gamezlawfirm.com.