Even in Difficult Times—Stop Credit Card Debt & Legal Action from Spiraling!

Debt issues have multiplied for millions of Americans due to repercussions associated with COVID-19. Like so many others, you may have been caught completely off guard by the loss of your job or suddenly diminished hours as your boss too tried to cope with serious question marks about finances. All the other debts still backed up from previous months most likely have continued to plague you though—including outstanding medical debts, credit card debts, student loans (with virtually no help during COVID-19 for private student loan borrowers), and all the bills associated with the basics—from car loans to rent or the mortgage.

If you have completely lost your source of income but are battling stress over delinquencies and potential defaults, or if you have been served papers, contact an experienced debt protection firm like Fitzgerald & Campbell, APLC as soon as possible. Getting ahead of financial problems is critical to your future—as well as dealing with lawsuits or default judgments that could potentially follow you around (wreaking havoc on your current finances) for as long as 20 years.

Even if you think you have nothing left to lose, consider your plans for the next two decades, as a default judgment in California is good for ten years and can then be extended for another ten by a creditor or debt collection agency. This means that yes, you could be worrying for a very long time about the possibility of wage garnishments (up to 25 percent of your disposable income being deducted from your paycheck), seizure of property, and loss of control over your financial accounts (as funds are frozen until the debt is satisfied, and with total cooperation by your bank).

Ignoring debt is tempting when you are under stress, and if you think you have nothing left to lose, it may seem like the logical option; however, remember that delinquencies that go unchecked turn into defaults. Those have the potential to turn into collection lawsuits, and finally—without action, lawsuits may turn into default judgments that may be hard to see dismissed.

Speak with an attorney from Fitzgerald & Campbell, APLC as soon as possible to examine your options. Our attorneys have decades of experience in serving clients as they navigate through challenging financial situations, to include student loan issues, bankruptcy, and other debt management processes. We are here to help! Click here to schedule a free 30-minute consultation, call us at (855) 709-5788, or email us at [email protected].
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