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July 2013 Archives

Personal bankruptcy can end co-signer credit card debt

It's a common but difficult problem. If someone co-signs for a credit card or other loan for someone else, and if the person defaults on the account, then the co-signer become primarily responsible just like the original borrower. But what if the original borrower can't be found and the co-signer is not able to make the payments or pay-off the debt. In California and elsewhere, the most effective solution is to file a personal bankruptcy. That will eliminate the debt for certain.

How to stop increasing credit card debt

For many California consumers, high levels of credit card debt have led to a debilitating financial scenario. Once the balances have grown to a certain level, it becomes incredibly difficult to find a way to pay them down to more manageable levels. Factor in rising interest rates and a wide range of fees and penalties, and credit card debt can quickly ruin one's financial outlook.

California Attorney General probes credit card debt collectors

Debt collectors will do just about anything in order to collect the debts which they believe are owed to them. Many times this even includes fraudulent and deceptive practices, many of which are against the law. This has led many state regulators to ramp up their investigations of debt collectors in order to root out these illegal practices. The Attorney General of California is currently undergoing a large investigation partially focusing on companies that purchase delinquent credit card debt as well as deceptive practices by the lenders themselves.

Debt relief can secure retirement savings

Living the American dream is what most California residents strive to attain. After dedicated years in the workforce, people expect to one day retire comfortably from the fruits of their labor. However, along the path to success people are bound to accumulate debt. It is unfortunate that being unable to obtain some measure of debt relief could possibly jeopardize how they will enjoy their retirement years.

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Stockton Office
2111 West March Lane, Suite B 300
Stockton, CA 95207

Phone: 209-390-8877
Fax: 209-478-9954
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Tracy Office
1138 Parker Avenue, Unit B
Tracy, CA 95376

Phone: 209-800-8962
Fax: 209-478-9954
Tracy Law Office Map