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Credit Card Consolidation

Credit Card Consolidation

Consolidation and Settlement

Consolidation and settlement are more involved approaches to dealing with too much debt. While they require significant planning and commitment, they can help you out of a tough situation when you have actually too much credit card debt.

Consolidation rolls all your debts into one payment. As with a DMP, it reduces your number of monthly payments. Consolidation may additionally have the benefits of lowering your interest price and enhancing your payment schedule.

Settlement is a good choice for individuals whom can’t pay for the credit card debt they’ve racked up. You can enlist the assistance of a debt settlement firm or negotiate directly with loan providers to have your debt reduced. Whenever finished effectively, you may owe just a small fraction of your initial debt.

Credit cards can be helpful whenever utilized properly. They’re convenient and can enhance your credit background. Nevertheless, misusing or overusing the line of credit can have lasting negative effects. It’s important to make use of credit cards wisely and seek assistance when you really need it.

credit card consolidation | credit card debt relief | credit counseling

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Thank you DJ!

I had no idea where to start with my bankruptcy and process. After my first meeting with DJ I felt confident that things were going to go well. He helped guide me through the entire process and time. 

He's very professional and courteous, thorough and extremely knowledgeable. 

I would recommend anyone that needs a bankruptcy lawyer/ student loans. 

Don't have a second thought when choosing DJ Rausa!

stars
Posted by a client - February 15, 2016

AVVO Lawyer Rating is Superb!

Respected Legal Source

D.J. Rausa interviewed by the Wall Street Journal for article on Bankruptcy and Student Loan Debt.

D.J. Rausa is recognized as a legal expert in Student Loan Debt Resolution and the associated Bankruptcy Laws.

Read what D.J. recently told The Wall Street Journal regarding the probable rise in Student Loan Debt Resolution through Bankruptcy.

Client Testimonial

To whom it may concern,
Mr. Rausa is extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted Mr. Rausa and found him to be courteous, responsive and quick to assess my situation. He was sure he could help and took time to answer all questions, which relieved much anxiety. Within months he successfully resolved the debt! With much confidence, I highly recommend Mr. Rausa.
Please contact me if you have any additional questions.
Sincerely,
 CJWaldenSignature
CJW
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