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Posted On: June 22, 2010 by Scott Sagaria

What can I do to remove debt?

A San Jose bankruptcy lawyer tells you what you can do to remove debt?

There are several options when it comes to removing debt. The first and most obvious is to pay off your creditors timely in order to remove debt. This keeps your credit score good and the creditors do not harass you. When paying your monthly credit card and loan bills, you want to pay more than the minimum payment on those accounts in order to remove debt. When only paying the minimum payment, the principal balance is nominally reduced while the interest is primarily paid.

You can also attempt to settle your credit card debt by offering one or two lump sum payments for pennies on the dollar. This drastically removes debt but can leave a nasty mark on your credit report. It also makes lenders less likely to grant credit.

Lastly, you can file bankruptcy to remove debt. In some cases, entire second mortgages can be removed. This can remove debt of over $100,000! Credit and debt are like oil and water, they do not mix yet are so often found together.

If you have questions regarding Bankruptcy in San Jose please contact us at 408.279.2288 for a free consultation or visit www.bkanswers.com and we can connect you with one of our experienced San Jose Bankruptcy Attorneys. After you have spoken with one of our downtown San Jose bankruptcy attorneys, we can schedule you for a free face to face appointment in an office location nearest you. Our team of San Jose Bankruptcy Lawyers can assist you with all aspects of your bankruptcy or bankruptcy litigation case. If you have questions about filing a Chapter 7 bankruptcy, a Chapter 11 bankruptcy, a Chapter 13 bankruptcy, or would like to learn more about bankruptcy litigation, legal debt settlement, mortgage modification, lien stripping, cram down, stopping a foreclosure, wage garnishment, asset protection, discharging a debt, etc. we can help! We have bankruptcy attorneys located throughout California and Oregon who can assist you with all of your debt resolution questions. Please feel free to complete our free online bankruptcy evaluation and we can quickly determine if you are a qualified candidate for bankruptcy. We look forward to hearing from you, San Jose and the South Bay!

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Posted In: Consumers in Debt

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