What a Utah Debt Relief Attorney Can Do for You

debt relief attorney Salt Lake City

Are your bills piling up? If you’re under financial strain and need a way out, turn to a Utah debt relief attorney.

Salt Lake City lawyers who specialize in debt relief have the skill, knowledge and expertise to help people who are having trouble making ends meet. With the right legal professional on your side, you can look forward to a brighter future, one where you’re no longer struggling to pay the bills every month. Below, we explain what Utah debt relief attorneys do to help their clients take control of their finances.

Put a Stop to Debt Collectors

When a debt relief attorney agrees to represent a client, one of their first acts is to notify all creditors. After that, any attempts to collect money owed must go through the lawyer – debt collectors cannot contact the client directly, at least not while any legal actions are pending. By bringing creditor calls, texts, emails and letters to a halt, attorneys give their clients a much-needed breather, allowing them time to decide how to proceed.

Push for Debt Settlement

Experienced Utah debt relief lawyers use a range of strategies to help their clients, but pressuring creditors into settling is a common approach. Attorneys know how to leverage the law to their clients’ advantage – and with a lawyer at the negotiation table, one who could easily suggest bankruptcy instead of debt settlement, creditors are often willing to settle for far less than the amount owed.

Respond to Creditor Lawsuits

For clients who have been served with lawsuits, attorneys often employ tactics to drive creditors to settlement proceedings. In many cases, disputing the amount owed or forcing a creditor to prove that they have the right to sue can make them reconsider a lawsuit. And sometimes, the response a lawyer files to a creditor lawsuit works to limit or even exclude a client’s liability for the debt in question.

Deal with Court Judgments

Court judgments come with seriously negative consequences, as they grant creditors more power to go after debtors. With a judgment, a debt collector has the legal right to garnish wages, freeze bank accounts, place liens against property and use other measures to collect money owed. Experienced Utah debt relief attorneys help their clients avoid these outcomes, often by filing a bankruptcy claim.

Help Clients Get Back on Track

Debt settlement is the right approach for some clients. For others, filing for Chapter 7 bankruptcy is a better solution, as cases end with a discharge of many types of debt. In some situations, however, debt consolidation through Chapter 13 bankruptcy is the best choice. Utah debt relief attorneys explain every option and help their clients decide which path to take to get their finances under control.

Choose a Debt Relief Lawyer – Not a Debt Consolidation Company

Debt consolidation companies claim that they can negotiate settlements with creditors and create payment arrangements that are much more affordable for their clients. In reality, many people don’t benefit at all from their services. Going with a debt consolidation company isn’t a good idea because:

  • Clients are often required to pay the company a substantial sum of money before any work on their case begins.
  • Company fees may be automatically deducted from plan payments, leaving little to distribute among a client’s creditors.
  • Creditors can cancel any payment plans the company arranges at any time and instead opt to pursue the matter in court.
  • If a client becomes the target of a creditor lawsuit, the company won’t assist with their defense or make any effort toward resolving the matter.
  • They may stop all payments to creditors as a negotiation strategy, which leads to growing balances and tanking credit scores.
  • Some creditors see working with a debt consolidation company to be a discouraging sign and get more aggressive in their collection efforts.

In addition, the services of a debt settlement or consolidation company can be more expensive than working with a debt relief attorney. Some lawyers – including Lee J. Davis and Tony G. Jones here at the Law Office of Davis & Jones, P.C. – offer both competitive rates and flexible payment solutions. With affordable services and effective legal protection, choosing a debt relief attorney over a debt consolidation company simply makes sense.

Talk to an Experienced Utah Debt Relief Attorney Today

Debt relief lawyers stake their reputation on their ability to help clients get back on their feet – and at the Law Office of Davis & Jones, P.C., we’re known for producing positive results. With our decades of experience, our affordable pricing and our commitment to integrity, our legal team has what it takes to guide you toward financial freedom.

If you’re in northern Utah, our debt relief lawyers are ready to provide you with the information and advice you need to regain control of your finances. And whether debt settlement, Chapter 7 bankruptcy or Chapter 13 bankruptcy is your best option, we’ll be there to assist you every step of the way. For a free consultation with a trusted Utah debt relief attorney in the Salt Lake City area, contact the Law Office of Davis & Jones, P.C., today.