Thursday, 21 August 2014 00:00

Credit Card Debt Relief

Credit Card Debt Relief

Are you having trouble paying your bills? Are you getting notices from your creditors? Are your bank accounts being turned over to multiple debt collectors? And are you very worried about losing your house or your automobile? You are not alone. Obtain credit card debt relief today! Many people are in financial crisis at some point in their life, and sorely need credit card debt relief. If the crisis is caused by your personal needs or family sickness, the loss of your job, or just overspending, it can seem daunting. But often, you can get the credit card debt relief you need. Your financial situation does not need to go from bad to worse. Contact Debt Doc today to find out how you can obtain credit card debt relief!

tagged: credit card debt relief, credit card debt relief san diego

Thursday, 21 August 2014 00:00

Credit Card Consolidation Loan

Credit Card Consolidation Loan

Feeling weighed down by high-interest credit card balances? These debt combination tips can assist.

1. Check Your Credit
Evaluation your credit reports and correct any errors. An error on your credit report could avoid you from qualifying for the debt combination assistance that you need to have. Credit.com's free Credit Report Card can help you understand what's inside your credit report, and provides you your free credit scores, too. Get a free yearly credit report from each of the three national credit reporting agencies.

2. Consolidate to a Low-Interest Credit Card
If you've got good credit, look for a credit card with a low-interest rate. Transfer high-interest rate credit card balances to a single card and save money on month-to-month finance charges as you pay straight down your financial obligation. For consumers with good credit there are a number of balance-transfer and low-interest price credit card provides available.

3. Get a Loan From a Local Bank or Credit Union
You may be in a position to consolidate your debt with a personal loan from your bank or credit union. Ask the loan officer at your financial institution for more information.

Before applying for a loan, ask about the lender's credit needs. Is there a minimum credit score for qualifying for a loan?

4. Get a Consolidation Loan From an Online Lender
Choose a reputable lender when applying for a debt consolidation loan online. Check out any potential online lenders with the Better Business Bureau and look for complaints. And check to see if a lender is signed up to-do company in your state by contacting your state Attorney General's office or your state's Department of Banking or Financial Regulation.

Beware of any loan provider that claims to prompt you to a loan regardless of your credit. Stay clear of sites and lenders that fee you huge upfront costs for a debt combination loan.

5. Sign Up for a Debt Management Plan
Reach out to a credit counseling agency about a debt administration plan. With a financial obligation administration plan, you make one month-to-month payment to a credit guidance agency and the agency pays each of your credit card lenders. A lender may reduce the interest rate on your credit card balance whenever you participate in a debt management plan.

credit card debt relief | credit card debt relief san diego | credit card debt consolidation

Thursday, 21 August 2014 00:00

Personal Loans Bad Credit

Personal Loans Bad Credit

Your Rights
No one can lawfully eliminate accurate and timely negative information from a credit report. You can ask for an investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete. Some men and women hire a company to investigate for them, but anything a credit fix organization can do legally, you can do for yourself at small or no cost. By law:

You’re entitled to a free credit report if an organization takes “adverse action” against you, like doubting your application for credit, insurance, or employment. You've got to ask for your report within 60 times of receiving notice of the action. The notice includes the name, target, and phone number of the customer reporting company. You’re additionally entitled to one free report a 12 months if you’re unemployed and plan to look for a work within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
Each of the nationwide credit reporting businesses — Equifax, Experian, and TransUnion — is needed to offer you with a free copy of your credit report once every 12 months, if you ask for it.
It doesn’t cost anything to dispute mistakes or outdated products on your credit report. Both the credit reporting company and the information provider (the individual, company, or company that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights, contact both the credit reporting company and the information and knowledge provider.

Thursday, 21 August 2014 00:00

Credit Card Debt

Credit Card Debt

Guidance and Debt Management Plans

If making consistent and timely credit card payments is a regular difficulty, you may possibly gain from expert help. Credit counseling and debt management plans can help you get straight back on track.

Credit guidance can guide you in the right direction after you’ve taken a couple of wrong turns. An experienced credit therapist can look over your funds and current situation and then assist you make a plan to move forward. He or she can assist you set up a household spending plan, savings plan and repayment plan for present debts. Your counselor can also gauge if you'll need more help.

Among your counselor’s suggestions may be enrollment in a debt administration plan (DMP). A DMP is best suited for individuals whom can afford their monthly repayments but lose track of bills or forget to pay on time. Whenever you enroll in a DMP, you’ll be responsible for just a solitary repayment each month. Instead than spending credit card organizations directly, you’ll send money to your credit therapist, who will then disburse the money to your different creditors. This can simplify your month-to-month bills and may be able to save you cash in interest and fees.

credit card debt | credit card debt relief | credit card debt san diego

Thursday, 21 August 2014 00:00

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

Thursday, 21 August 2014 00:00

Credit Counseling

Credit Counseling

Find information on credit cards, debt payments, and foreclosure assistance offered by a San Diego bankruptcy attorney. There are a number of organizations that provide consumers and homeowners with free or or very low cost debt counseling services that may help them with their bills and outstanding debts, prevent a foreclosure, repair their credit score, file for bankruptcy, and more.

credit counseling | credit card debt relief | credit card debt relief san diego

Initial Free Consultation

  1. Your Name(*)
    Please let us know your name.
  2. Your Email(*)
    Please let us know your email address.
  3. Phone(*)
    Please write a subject for your message.
  4. Message(*)
    Please let us know your message.
  5. Invalid Input
  6. Enter Code
    Invalid Input

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
Websites with bunus at Bingo gbetting.co.uk/bingo games.