Consumer Debt

Cliff Carlson Law, P.C., helps individuals gain control over their debt!

Unfortunately, it’s all too easy to rack up consumer debt, but it’s not so easy to eliminate that debt once it has accumulated. The high interest rates found on most credit cards make it nearly impossible to pay down the balance by just remitting the minimum payment each month. Credit card companies usually apply most of those minimum payments to the interest without touching the remaining balance, and the consumer gets stuck in a cycle of juggling their payments with no real hope of relief. Add to that the other financial obligations one may have, including a mortgage and student loans, and the whole situation quickly becomes discouraging.

But don’t lose hope. We can help!

Cliff Carlson Law, P.C., offers a range of services to help those who are struggling to pay off their consumer debt. By working with our team of experienced attorneys, you can find relief from your overwhelming debt load and begin rebuilding your credit for a more stable financial future.

Serving the residents of Middle Georgia, our law firm provides effective solutions to help you manage your high-interest credit cards and other forms of revolving credit. By taking action as soon as possible, you can stop the harassment from creditors, eliminate your debt and put yourself in a position to achieve financial security.

Cliff Carlson Law, P.C., offers advice and representation with the following credit card defense options:


Credit Card Defense Options

Unfortunately, not all debt can be discharged by using either chapter of bankruptcy protection. Debt such as student loans, child support or other long-term obligations cannot be included or eliminated under Chapter 7 or Chapter 13 bankruptcy. For those who need relief from these types of debts, our law firm offers advice and services related to credit card defense options. Your individual circumstances as well as the type of debt you owe will determine how best to proceed for this kind of credit card defense. By consulting with us regarding your situation, you can rest assured that we will do everything in our power to help you find a solution that works best for you.