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Category Archives: Get Out of Debt

Is It Legal for My Creditor to Levy My Bank Account?

Yes, it might be legal for your creditor to levy your bank account.

There are certain situations when a creditor is allowed to remove funds that are in your bank account – known as a bank levy. The creditor may only take up to the amount that you owe and any money seized is applied to the balance owed.

A creditor has the right to levy you bank account when:

  • The creditor has a judgment from the court.
  • The creditor is a tax collector. The IRS has the right to levy your bank account without filing a suit for unpaid taxes.
  • The creditor is your bank and has the right of offset under state law.

Creditor with a Judgment

Before most creditors can levy your bank account, or garnish your wages or put a lien on your property, they must first sue you for the unpaid debt (breach of contract). Only after they win the law suit and have a judgment from the court do they have the right to take powerful collection action against you.

Further, before a judgment creditor can levy your bank account, under Georgia law it must first serve you with a copy of summons of garnishment. A bank levy or other garnishment may only occur ten days after you are given written notice of the pending garnishment. O.C.G.A. § 18-4-64.

Tax Collectors

Unlike the majority of unsecured creditors, the IRS has collection powers without needing a judgment from the court.

However, you still have the right to due process. You will be notified before money is seized from your bank account. The tax code requires that the IRS give you notice of your tax debt and notice of their intent to levy.

Creditor is Your Bank

Pursuant to state law and/or the deposit agreement between you and your bank, the bank may have the right to “offset” your account – meaning the bank can seize funds from your account to satisfy an unpaid debt owed to the bank.

For example, your bank may offset (take money from) your checking account to pay for a missed car payment where the bank also holds the car note.

In Georgia, “a bank with which a deposit account is maintained may exercise any right of recoupment or set-off against a secured party that holds a security interest in the deposit account.” GA Code § 11-9-340 (2014).

It is not necessary for the bank to furnish you notice of its intent to levy, because due process is satisfied by the bank’s right to offset without warning.

Bankruptcy Stops Collection Actions

As soon as you file for bankruptcy protection, all collection action against you must stop including bank levies. If you are deep in debt, possibly facing a situation where your account may be levied, it is time to explore if bankruptcy is the right solution to get you out of debt.

Learn about the ways bankruptcy can help you. Contact us for a free consultation by clicking here or calling (912) 351-9000. We’re here to help you gain the financial freedom you deserve. The Law Offices of Barbara B. Braziel proudly serves the greater Savannah, GA area.

 

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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Tax Liens No Longer Reporting on Credit Reports

The three credit reporting agencies – Equifax, Experian, and TransUnion – are now excluding tax liens from credit reports. This means some credit scores will increase, and some by as much as 30 points.

The removal of tax liens from credit reports comes as a direct result of improved standards for utilizing new and existing public records. The credit bureaus implemented improved standards last July that required the bureaus to remove civil judgment and tax lien data from credit reports if that data did not include the consumer’s complete information, such as full name, address, social security number, and date of birth. It was reported that such a change would exclude a majority of civil judgments and tax liens from credit reports.

Now in 2018, the new standards ensure that tax liens are excluded from reporting. Read more about the credit reporting agencies move toward improved standards here.

Disputing Incorrect Information on Your Credit Report

The reporting of incorrect information is the number one issue reported to the bureaus by consumers. Incorrect information can lead to a lower credit score, which is a determining factor in the interest rate you’ll be offered for credit cards, car loans, and mortgages,  and moreover, affects whether you can get a loan at all.

It is important that you dispute inaccurate information misreporting on your credit reports from Equifax, Experian, and TransUnion. The credit reporting agency must investigate your dispute and it must delete inaccurate, incomplete, or unverifiable information within 30-days. The Federal Trade Commission (FTC) offers step-by-step instructions for disputing inaccurate information here and offers a sample dispute letter you can use here.

Tactics to Raise Your Credit Score

Ensuring the information reporting on your credit report is accurate and complete is one way to raise your credit score. Other credit-score-boosting tactics include:

  • Always make payments on time. One report found even a single late payment could lower your credit score by 60 to 110 points, depending on other items in your credit history.
  • Do not max out your credit cards. Using a high percentage of your available credit can lower your credit score. Aim to use only 30 percent (or less!) of your available credit limit.
  • Get out of debt. Paying down debt, and ultimately paying off debt, helps to raise your credit score.

We hope the foregoing helps you better understand your credit score and what you can do to ensure it is as high as possible.

If you are facing a serious debt problem and want to explore your options for getting out of debt, we invite you to come in for a free, no obligation consultation.

Call us today at (912) 351-9000 or contact us here.

 

All of us here at the Law Offices of Barbara B. Braziel want to help you get out from under the weight of financial stress and gain financial freedom. We invite you to get to know us here and read about the clients we’ve helped here.

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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The Major Credit Reporting Agencies Move to Improved Standards

The three credit reporting agencies – Equifax, Experian, and TransUnion – have implemented improved standards to new and existing public records in their databases.

Tax liens are no longer reporting on credit reports and some civil debts will also be excluded from credit reports.

These improved standards are a result of a report by the Consumer Financial Protection Bureau (CFPB). The CFPB said Equifax, Experian, and TransUnion had insufficient quality control systems and failed to conduct reasonable investigations after consumers disputed something appearing in their credit report. The report cited a number of problems the CFPB found with the three credit reporting bureaus and outlined suggested reforms aimed at helping consumers improve the accuracy of their credit reports. Suggested reforms included stricter identity-matching criteria and updating records more frequently.

Equifax and TransUnion fined and made to pay nearly $18 million in restitution.

The CFPB report outlining various problems with the three main bureaus was released after an enforcement action against Equifax and TransUnion was announced.

According to the CFPB announcement: “In their advertising, TransUnion and Equifax falsely represented that the credit scores they marketed and provided to consumers were the same scores lenders typically use to make credit decisions. In fact, the scores sold by TransUnion and Equifax were not typically used by lenders to make those decisions.”

As part of the enforcement action, Equifax and TransUnion will pay more than $17.6 million in restitution to customers and $5.5 million in penalties to the CFPB. Moving forward, the bureaus must “clearly inform consumers about the nature of the scores they are selling.”

The big three credit reporting agencies improving their standards.

The improved standards should have resulted in the removal of negative information from many credit reports, thereby increasing scores. The Wall Street Journal reported that removing negative information could boost scores by up to 40 points or more for roughly 12 million consumers; however, analyses conducted by FICO and the credit reporting companies reflect a more modest impact to credit scores.

Consumers depend on the accuracy of the credit reporting data and the bureaus’ improved standards are a step toward more accurate reporting.

Check your credit report regularly.

It is not uncommon for information to be misreported on credit reports. Everyone should keep an eye on their credit report – even if you are not having financial struggles. Also, it isn’t just mistakes or misreporting to be concerned about. Monitoring your credit report is a way to detect fraud and identity theft.

You are entitled to a free credit report every year from each of the three credit reporting agencies. You can order your free credit reports online from AnnaulCreditReport.com. Ordering from this site helps ensure a secure transaction. AnnualCreditReport.com is the only authorized source by federal law for free credit reports.

You have the right to dispute inaccurate, incomplete, or outdated information, or other mistakes or misreporting on your credit reports from Equifax, Experian, and TransUnion. The credit reporting agency must investigate your dispute and they must delete inaccurate, incomplete, or unverifiable information within 30-days.

The Federal Trade Commission (FTC) offers step-by-step instructions for disputing inaccurate information here. The FTC also offers a sample dispute letter you can use here.

All of us here at the Law Office of Barbara B. Braziel are here to help you end your financial struggle and gain financial freedom. We invite you learn more about our firm here and come meet with us for a free, no-obligation consultation.

Reach out to us here, by email at info@BrazielLaw.com, or call (912) 351-9000.

 

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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Americans Are Deeper in Debt Before Retirement Than Ever Before

Today Americans are more likely than ever before to reach retirement-age in debt.

More than 70 percent of people ages 56 to 61 were in debt in 2010, showed a recent study that appears in the American Economic Association Papers and Proceedings. The study analyzes the financial standing of people nearing retirement and their exit from the workforce, how that financial standing has changed over time, and how much of the Great Recession is to blame. To that end, the study compared debt levels among different generations when they were in the age range of 56 to 61.

How in debt are Americans nearing retirement? The researchers found that people who were 56 to 61 years old in 2010 (70 percent of whom were in debt) carried a median debt balance of $32,700. The same age group in 1992 carried a median debt balance of $6,760. These values are adjusted and expressed in 2015 dollars.

What does this increased debt load for older American mean? It means that people will be forced to work longer. The average American retires in their early 60’s. However, with a heavy debt load it may not be feasible for people to retire until later in life: “Having to divert a greater share of one’s resources toward mortgages and credit card bills can also be especially difficult (potentially impossible) for those on a fixed-income.”

Also, carrying debt later in life increases one’s chance of needing to file for bankruptcy protection. Annamaria Lusardi, the Denit Trust Chair of Economics and Accountancy at the George Washington University School of Business, and a co-author of the recent study, pointed to another study that shows bankruptcy filings are growing fastest among people over the age of 65.

Why are older Americans more in debt than ever before? The answer to this questions is multifaceted. A few things that certainly contributed to increased debt was the increase in housing costs during the early 2000s and the ease of borrowing during that time period. As housing prices increased to levels previously unseen, lenders were requiring smaller down payments and mortgages were increasingly available to borrowers―even with low credit scores or few financial resources. Not only were mortgages easier to secure, so too were high-limit credit cards and loans against collateral, like second mortgages, Home Equity Lines of Credit, and auto title loans.

Lusardi said, “Retirement today will have to do not just with accumulating wealth, but managing debt.”

Relief From Debt

If you are struggling to manage your debt load, we encourage you to explore if filing for bankruptcy protection is the right solution for you.

At the Law Office of Barbara B. Braziel we’re here to give you the fresh start you deserve. Call us today at (912) 351-9000 or contact us here to schedule a free consultation.

 

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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Can My Bank “Offset” My Account?

When a bank “offsets” an account, it means that the bank seizes funds from an account to satisfy an unpaid debt owed to the bank. For example, a bank may offset (take money from) a debtor’s checking account to pay for a missed car payment where the bank also holds the car note.

Can My Bank “Offset” My Account?

In general yes, a bank or other financial institution has the right to setoff account balances against obligations owed to the bank (or financial institution) by the account holder.

Usually before a creditor can levy your bank account they must first bring a lawsuit and secure a court judgment against you for unpaid debt (breach of contract), but this is not true for financial institutions, tax collectors, and in a few other limited circumstances.

Therefore, when a bank has a loan to a debtor, and the debtor misses a payment and has money in an account held at the same bank, the bank/lender may use its right of set-off to seize funds directly from the debtor’s bank account and apply the funds toward the missed payment.

The right to offset is rooted in both state law and often in the deposit agreement with the financial institution. Due process is satisfied because the bank has the right, via statute or express agreement, to offset without warning.

Georgia State Law

In Georgia, “a bank with which a deposit account is maintained may exercise any right of recoupment or set-off against a secured party that holds a security interest in the deposit account.” GA Code § 11-9-340 (2014).

Deposit Agreement with the Bank

Often a deposit agreement between a financial institution and a borrower will contain language that expressly grants the bank the right to offset. A set-off paragraph may contain language similar to the following: “We may, without prior notice and when permitted by law, offset the funds in this account against any due and payable debt you owe us now or in the future, to the extent of such person’s right to withdraw.”

Bankruptcy Stops Collection Actions

As soon as you file for bankruptcy protection, all collection action against you must stop including account set-offs and bank levies. If you are deep in debt, possibly facing a situation where your bank may exercise its right to set-off, it is time to explore if bankruptcy is the right solution to get you out of debt.

All of us here at the Law Offices of Barbara B. Braziel want to help you get out from under the weight of financial stress and gain financial freedom. We invite you to read about the clients we’ve helped here.

If you live in Savannah, GA or the surrounding areas and have questions about your debt relief options, let’s meet for a free consultation. Please reach out to us at (912) 351-9000 or contact us by filling out this simple web form.

 

We proudly serve the people of Savannah, GA and the surrounding areas, including Richmond Hill, Hinesville, Pooler, Port Wentworth, Tybee Island, Clyo, Ellabel, Midway, Ludowici, Springfield, Pembroke, Brooklet, and Garden City.

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

READ MORE

Tax Collector’s Right to Levy Your Bank Account

Most creditors (the banks you owe money) have very little power to force collection from you without first winning a lawsuit against you for not paying back your debt. For example, if you stop paying your credit card bill, the bank who backs that card would have to win a lawsuit against you and get a judgment from the court before they could levy your bank account or garnish your wages. However, the IRS has collection powers without needing a judgment from the court.

Tax Collector’s Right to Levy Your Bank Account

The IRS has the right to levy your bank account without filing a suit for unpaid taxes. This means the IRS has the authority to seize money directly from your bank account.

Moreover, the IRS isn’t limited to levying only bank accounts. An IRS levy permits the legal seizure of your property to satisfy a tax debt. The IRS also has the power to garnish your wages and to seize and sell your real estate, vehicles, and other personal property.

Your Right to Due Process

You still have the right to due process, which you means you will be notified before money or property is seized. The tax code requires that the IRS give you notice of your tax debt and notice of their intent to levy. This IRS letter will be entitled Final Notice of Intent to Levy and Notice of Your Right to A Hearing.

Avoiding an IRS Levy

If you cannot pay the taxes that you owe in full, you can attempt to work out a payment plan with the IRS to pay off the remaining balance. To avoid a levy it is imperative that you be proactive. Do not ignore IRS bills or notices. Remember the IRS has serious levy power that you do not want enforced against you.

Handling Tax Debt Through Bankruptcy

Certain older personal income tax debts can be erased through bankruptcy. Newer tax liabilities are nondischargeable and are not erased in bankruptcy. Also, payroll taxes and penalties for fraud cannot be erased.

The following three criterion must be met in order for an income tax debt to be dischargeable in bankruptcy:

  • The tax debt must be at least 3-years old: The tax return associated with the tax debt must have been due, including any extensions, more than 3-years before the date the bankruptcy case is filed.
  • The tax return related to the debt must have been on file for at least 2-years: If the tax return related to the debt was not filed on time, that tax return must have been filed more than 2-years before the date the bankruptcy case is filed.
  • The tax debt must be assessed by the IRS at least 240 days prior to filing bankruptcy: A tax debt is assessed on the date the tax liability is officially assessed at the IRS Service Center and the applicable form is signed by an IRS official.

These rules apply to both federal and state income tax debts.

Even if your tax debt cannot be erased through bankruptcy, filing may help you get a handle on your debt problem. For example, filing a Chapter 13 Bankruptcy creates an opportunity for you to pay back your tax debts over time without the risk of the IRS levying your bank accounts or seizing other property.

The Law Office of Barbara B. Braziel

Learn about the ways bankruptcy can help you. Contact us for a free consultation by clicking here or calling (912) 351-9000. We’re here to help you gain the financial freedom you deserve. The Law Offices of Barbara B. Braziel proudly serves the greater Savannah, GA area.

 

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

READ MORE

Simple Steps to Setting Up Your Budget

Have a budget is one of the tenets of healthy financial management. Without a budget you can’t know what you can afford or how much you’ll be able to save so that you can meet your financial goals.

For some people setting a budget is a difficult task. That’s okay. It is never too late to set up a doable budget and stick to it! Follow these simple steps to setting up your budget:

Determine your income. Be mindful to include all sources of income, including sources that may not come in on a regular schedule.

Determine your expenses. Include fixed expenses like your mortgage or rent, car payment, utilities and other regularly occurring monthly bills, as well as your variable expenses like your food, gas, and entertainment expenses. Also, include expenses that occur throughout the year like your property taxes, car maintenance costs, tag renewal, etc.

Compare your expenses to your income. Consider this an opportunity to look at where you can cut expenses so that you can save more money or pay off debt. Ideally you should be saving at least ten percent of your income for emergencies, retirement, and to meet other short and long-term financial goals.

Set a realistic budget. Now that you know exactly how much money you have coming in and where that money is being spent, set your budget. It is important that your budget account for all of your fixed monthly expenses, necessary living expenses, and provide for paying off debt and saving.

Adjust as needed. If you get a month or two into following your new budget and you find it just isn’t working – then update it! You always have the opportunity to create a budget that works for you. Healthy financial management is realistic and works for you.

Your budget is your pathway to reaching your financial goals, whatever they may be. Following a budget means you can get out of debt, take that trip to Fiji, and eventually retire without the worry of running out of money.

Follow us on Facebook for financial management & money saving tips!

 

The Law Office of Barbara B. Braziel helps people get out of debt. We offer free consultations to people of Savannah, GA and the surrounding areas, including Richmond Hill, Hinesville, Pooler, Port Wentworth, Tybee Island, Clyo, Ellabel, Midway, Ludowici, Springfield, Pembroke, Brooklet, and Garden City.

Call us at (912) 351-9000 or email info@BrazielLaw.com.

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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Top Tips for Managing Debt

Being in debt can feel like a huge burden. We are not talking about having a mortgage or a car payment – those are debts most people have. We are talking about overwhelming credit card debt or massive medical bills. If you’ve experienced a job loss, illness, divorce, or other life-changing event, you know how quickly debt can add up. You may feel like it’s spiraled out of control.

The following are some top tips for managing debt. Consider these best practices to follow. Start here, and as you move forward and get a grasp on your debt, we encourage you to learn all you can about personal financial management.

Budget. You have to do it.

Budgeting money does not come naturally to everyone. That’s okay. You can learn to budget well and commit to that budget. Be patient with yourself and re-evaluate your expenses as necessary.

Sticking to a budget ensures that you are in control of your finances. Budgeting controls your expenses, which ensures that you are able to pay your bills. Further, budgeting gives you a clear picture of your expenses. This empowers you to make wise spending decisions. Taking a close look at your expenses also shows you where you can reduce expenses.

Keeping a close watch on your income minus expenses is critical to having enough to pay off your debt and managing your debt load moving forward.

Plan to pay off debt. Don’t just think about your desire to pay off debt, actually plan how you will do it.

Sit down with your list of debts and annual percentage rates of each. Figure out which is your most expensive debt to carry forward, and focus on paying that one off first. Generally speaking, your most expensive debt is the one with the highest interest rate.

Of course planning to pay off your debt ties directly to your budget. Your budget dictates how much money you have available each month to put toward your debt payments.

Stop adding to the pile.

You cannot manage your debt if you are adding to it. Stop making new charges. Move away from plastic and use cash so you are spending only what you have. When you have to hand over actual hard-earned cash, you will be more likely to consider your purchases and spending less will come more naturally.

By focusing on getting out of debt and making a concrete plan to make it happen, you can rid yourself of that huge burden of debt!

If you are crafting your plan to get out of debt and realize it is going to take you more than a few years to pay off your credit card or medical debts, then it is time to explore if filing for bankruptcy protection is the right solution for you.

Follow us on Facebook for financial management & money saving tips!

 

The Law Office of Barbara B. Braziel helps people get out of debt. We offer free consultations to people of Savannah, GA and the surrounding areas, including Richmond Hill, Hinesville, Pooler, Port Wentworth, Tybee Island, Clyo, Ellabel, Midway, Ludowici, Springfield, Pembroke, Brooklet, and Garden City.

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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How Does Filing for Bankruptcy Help People?

When an individual or married couple are deep in debt due to a job loss, medical emergency, or other life-changing event, erasing debts through bankruptcy might be the best choice for them.

While bankruptcy bears the brunt of negative publicity from credit card companies and big banks, there is rarely public discussion on how bankruptcy helps people. Bankruptcy can help a family save their home, help a young professional just starting her career to save her car and erase credit card debt, and help a married couple erase medical debt after the husband suffered a long-term and costly illness. Bankruptcy is a powerful legal tool.

The Ways Bankruptcy Helps People

Bankruptcy helps people by eliminating or reducing debt, stopping creditor harassment, preventing (at least temporarily) foreclosure proceedings or repossession, and gives people the breathing room they need while addressing their debt problems.

Filing for bankruptcy protection can also help people by:

  • Erasing most unsecured debts: including credit card debt and medical bills.
  • Erasing certain older tax debts and some other unsecured debts.
  • Putting an end to harassing phone calls from creditors.
  • Stopping wage garnishments and bank levies.
  • Stopping lawsuits filed by creditors.
  • Creates an opportunity to catch up on mortgage arrears (Chapter 13 only).
  • May create an opportunity for a homeowner to “lien strip” or eliminate a second mortgage (Chapter 13 only).
  • Creates an opportunity to catch up on missed car payments (Chapter 13 only).
  • Creates an opportunity to catch up on other missed payments, such as back taxes or child support payments(Chapter 13 only).
  • Depending on your specific situation you will most likely be able to keep your car and your home. It is more likely that you can keep your car or home if your payments are current and there is not significant equity.

 

Bankruptcy can help people in numerous ways. For many debtors, filing for bankruptcy is the best solution to their overwhelming debt problem.

The Ways Bankruptcy Can Help You

To understand how bankruptcy can help you specifically, we invite you to meet with us for a free, no-obligation consultation. We practice exclusively in bankruptcy law and have been for over 35 years. We serve the people of Savannah, GA and the surrounding areas.

Call us today at (912) 351-9000 or contact us to schedule a free consultation.

 

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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Debt in Collections: What You Need to Know

Dealing with a debt collection agency can quickly induce stress. The phone rings non-stop and they continually demand money. But if you could afford to make all of your debt payments, you would.

If you have a debt that has gone to collections and you must deal with a collection agency, there are a few things you need to know. Read on

Debt Collectors Must Follow the Law

Debt collection agencies must abide by the Fair Debt Collection Practices Act (FDCPA), which is a federal statute designed to protect consumers from abusive debt collection practices. The FDCPA applies to third-party debt collectors who are attempting to collect debts on behalf of someone else, but does not apply to original lenders.

The unfortunate truth is that the debt collection market has a high risk of fraud and abuse. It is not uncommon for debt collectors to push the boundaries of the law―or downright violate the law.

Under the FDCPA:

  • A debt collector may not call you before 8 a.m. or after 9 p.m., local time where you’re located. 15 U.S. Code § 1692c.
  • A debt collector may not harass, oppress, threaten, or abuse you. 15 U.S. Code § 1692d.
  • A debt collector may not use false, deceptive, or make misleading representations in connection to collecting on a debt. 15 U.S. Code § 1692e.
  • A debt collector cannot threaten you with arrest or imprisonment. 15 U.S.C. § 1692(e)(4).
  • A debt collector cannot threaten to take any collection action, such as filing a lawsuit or wage garnishment, unless the action is lawful and the debt collector intends to actually take such action. 15 U.S.C. § 1692(e)(5).
  • You have the right to stop collection phone calls. Once you notify a collection agency in writing that you do not want to receive phone calls, they cannot legally continue to call you except under specific and limited circumstances. Send the debt collector a letter telling them to stop calling you.

If a debt collector violates the law, we encourage you to report their illegal actions to the U.S. Consumer Financial Protection Bureau and your state attorney general’s office.

Charge-Off Accounts

Your credit report may show a “charge-off” account. A charge-off occurs when the creditor determines that the debt owed is unlikely to be collected, writes the accounts off as a loss, and closes the account to future charges.

After a creditor has charged-off an account, they may transfer or sell the debt to a collection agency. When this happens the collection agency will then attempt to collect on the debt and will also report the account and the balance owed on your credit report. Remember that the debt collection agency must comply with the federal Fair Debt Collection Practices Act. If they do not, they are violating your rights.

Facing Your Debt Problem

If you’ve got debt in collections, it is time to face your debt problem. Ignoring the problem will only make it worse. Eventually you may be sued for non-payment, which can lead to wage garnishment and bank levies. You have options to get out of debt.

If you are deep in debt that you simply cannot afford to pay back, it is time to explore how bankruptcy can stop collection actions against you and get you out of debt.

Exploring Your Debt Relief Options

At the Law Office of Barbara B. Braziel we are committed to helping people get out of debt and gain the financial freedom they deserve. We invite you to learn more about who we are here. If you live in Savannah, GA or the surrounding areas and have questions about your debt relief options, let’s meet for a free consultation.

Reach out to us at (912) 351-9000 or contact us by filling out this simple web form.

 

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

READ MORE