Has your credit card debt become unmanageable? Are high interest rates and penalties making it impossible to pay off your debt? If credit card companies are using unfair or illegal tactics to harass you into paying your debt, we can help. Stone Rose Law provides credit card debt solutions that keep debt collectors from putting you into financial hardship and hurting your credit.
Our legal team can assess your financial situation, negotiate with the credit card company, and provide the right debt relief that gives you a fresh start. We make it possible for you to navigate the debt settlement process in Arizona.
Fill out our online form or call Stone Rose Law for a free consultation from a credit card debt lawyer in Phoenix, AZ.
We provide legal services to reduce or eliminate your credit card balances. Our credit card debt attorneys negotiate with creditors, consolidate unpaid debt, or explore legal options like bankruptcy. Let’s take a closer look:
We negotiate with your credit card companies to reduce interest rates, waive late fees and penalties, lower overall balances, and set up affordable repayment plans. A debt collection attorney decreases the total amount you pay over time so that your payment goes toward reducing the principal balance.
Consolidating multiple credit card debts into a single loan simplifies your payments and helps you pay off debt faster. Instead of juggling multiple monthly payments, you’ll have only one payment to manage. We work with credit card companies to consolidate your debts and avoid credit card lawsuits.
We settle your debts for less than you owe by negotiating lump sum payments or reaching favorable agreements with creditors. If you have a lump sum available, we can negotiate with creditors to accept this amount as full payment. We reach agreements that reduce your overall debt burden.
Bankruptcy relief eliminates most credit card debts. Our legal representation also stops creditor harassment and gives you a fresh financial start. Filing for bankruptcy creates an automatic stay that stops all collection activities immediately. Rebuild your financial life without the burden of overwhelming debt.
Federal law and Arizona consumer law protect you from unfair collection practices from credit card companies and collection agencies. Our debt relief process reinforces the law and protects your rights so that you can climb out of credit card debt with a repayment plan or debt settlement solution. Our process is simple:
Our process includes a thorough financial assessment, a clear explanation of all available options, and honest recommendations tailored to your situation. We provide step-by-step guidance throughout the process and offer ongoing support even after your immediate issues are resolved. Stone Rose Law provides everything you need so you don’t have to face debt alone.
Most Arizona debt relief programs take between 24-48 months to complete. Your timeline is based on the amount of debt and the specific program you choose.
It depends on the solution we provide. Some debt relief programs may have a negative impact on your credit score. However, completing a program can lead to long-term improvements as you reduce your overall debt.
Debt relief reduces your balance through negotiation, while debt consolidation combines multiple debts into one loan, often at a lower interest rate. Both options can help simplify your financial situation but serve different purposes.
You can negotiate directly with creditors for lower interest rates or payment plans. Many creditors are willing to work with you if they see you’re making an effort to pay off your debts. However, you’re more likely to have a better outcome with the help of a credit card debt lawyer in Phoenix.
Bankruptcy can be an option for debt relief, but it should be considered as a last resort due to its long-term impact on credit. Consulting with a Phoenix bankruptcy attorney can help you understand whether this option is suitable for your situation.
Yes, forgiven debt over $600 is typically considered taxable income unless you qualify for insolvency. Consult your credit card debt attorney to understand how this may affect your tax liability.
Debt settlement involves your attorney negotiating with creditors to pay less than the full amount owed to satisfy the debt. This approach can provide significant savings but may also have consequences for your credit score.
Yes, through debt settlement, it’s possible to negotiate paying less than the full amount owed on your credit cards. Successful settlements often require negotiation skills and persistence when dealing with creditors.
With over 20 years of experience, our team has been helping Phoenix residents navigate financial challenges for decades. We offer a free initial consultation to discuss your situation and explore your options without obligation.
We understand that every financial situation is unique. We tailor our approach to meet your specific needs. Our judgment-free environment allows you to discuss your financial struggles openly and in confidence. We have a proven track record of helping hundreds of clients achieve financial freedom.
You don’t have to get stuck with credit card debt forever. Contact Stone Rose Law today, and let us create a solution that works for you. Fill out our online form or call Stone Rose Law for a free consultation.
