Debt Consolidation

Consolidating and negotiating debt can be very complicated. Let our expert negotiation/debt consolidation lawyers in Fresno, Visalia, and Tulare help you.

Mortgage debt; unpaid credit card balances; car loans; students loans – all of these factors are contributing to the fact that nearly 80-percent of Americans are drowning in debt. If you’re one of the millions of Americans struggling with debt, consider hiring our expert debt consolidation lawyers in Fresno, Visalia, or Tulare. Although you might be able to consolidate on your own, having the qualified and experienced professionals working on your case will help to ensure your debts are handled with the utmost care and consideration.

Debt Consolidation:

This involves taking all of your debts to several different creditors and making only one payments.  Typically this is best done through the bankruptcy process.  There are other options.  Because this is such a specialized, case by case situation, it is best to call us to discuss your options.

Debt Negotiation:

This involves taking your debts and instead of paying back the full amount, only paying back a portion of what you owe.  This is an option if you are looking to avoid bankruptcy or bankruptcy is not available because of your situation.  This can be a long process, with uncertain outcomes.  The way to ensure it is done correctly to have an consolidation expert attorney working with you.  While it is easy to explain the process:  make an offer for less and the creditor accepts; it is difficult at times to get to that point where the creditor accepts the offer.  While not right for all our clients, for some people, debt negotiation is a path to eliminating your financial problems.  

Contact Us

To speak directly with Stephen Labiak about consolidating your debt or debt negotiation, contact Labiak Law today at (559) 274-2868.

Our debt consolidation/negotiation lawyers in Fresno, Visalia, and Tulare will work hard to get you back on the path toward financial freedom.

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