New York Credit Card Debt Attorney
We Can Help You Find Debt Relief
Millions of Americans have credit card debt. Unemployment and under-employment have left many people resorting to credit for most of their basic necessities. Many are even maxed out on their credit cards without enough income to pay down the debt.
If you are struggling with credit card debt, you are not alone. Attorney Robert Jacovetti is an experienced New York credit card debt attorney who has helped numerous New Yorkers when they have been in over their heads financially. Whether you are maxed out on your credit cards or facing a debt collection lawsuit, you can rely on the experienced, compassionate representation of Jacovetti Law, P.C.
How to Address Credit Card Debt
There are many reasons you may find yourself in credit card debt. Perhaps you lost your job and you’ve been paying for groceries and utilities with your credit card. Maybe you had an unexpected medical emergency and you have mounting medical bills. Or, maybe you like to shop. Regardless, this is one case in life where the reason “why” is far less important than what you need to do next to get your debt under control and minimize the impact on your credit score.
We recommend that you:
- Pay something: Try to pay the minimum each month. Missing payments or making late payments will not only hurt your credit further, but they will also incur penalties that will make the problem worse.
- Don’t borrow: Getting further into debt only makes the problem worse. If you take a payday loan or borrow from your 401(k) plan, you will be hit with interest and penalties.
- Track your spending: You may be tempted to put yourself on a spending diet. If you happen to be a big shopper, that’s a good idea. However, it’s important to be able to track your monthly spending so you can create a budget that you can live with going forward. Cutting out necessities won’t show a realistic view of what you need going forward.
- Don’t go it alone: Seek the advice of our experienced New York credit card debt lawyer at Jacovetti Law, P.C. You need someone who not only knows the laws in New York regarding debt collection and bankruptcy but who can also help figure out about the right solution for you and your family. Robert can stop harassment by creditors and their collection agents.
Robert is passionate about helping his clients work their way out from under a mountain of debt. No two families have the same challenges; talk to our firm about your personal financial situation. He can help.
Committed to Protecting Consumers’ Rights
Facing overwhelming debt is a horrible feeling. Rest assured, Robert can guide you through the process of getting your finances in order. He can dispute the debt with your creditors and, if necessary, guide you through the process of filing for bankruptcy.
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