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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

Credit Card Mistakes To Avoid

credit card mistakes to avoidThe average family carries at least two credit cards in their wallets. Many people know how to manage the use of their cards well, and others do not. It can be easy to slip from smart money manager into a category of needs improvement. The key is staying focused on your money and know these credit card mistakes to avoid.

Credit Card Mistakes To Avoid

1. Using it like cash — borrowing from your credit card to pay for daily living expenses like gas or groceries will cost you in interest fees long after you have consumed the goods. Evaluate your income-to-expenses, you may need to make a lifestyle change to lower expenses or earn more.

2. Taking out cash advances — using your line of credit to get cash for an unexpected expense will cost you in interest fees, and those fees are also much higher. If possible, charge the expense directly to the card.

3. Making only minimum payments — much of the minimum goes towards the interest and not the principal, nearly doubling the amount of time it takes to pay off the balance. At minimum, calculate the amount of interest for the month and pay that on top of the minimum payment.

4. Making payments late — payments over 30 days late will be reported to the credit bureaus and your score will be damaged by this negative mark. Set up automatic withdrawal from your bank account to avoid late payments.

5. Closing old accounts — closing old, or paid off accounts hurts your credit profile by lowering your total available line of credit. Keep these accounts open for emergencies only or simply to prove to future lenders you can carry credit in good standing.

Debt problems can sneak up on the best of us, but waiting to take action can hurt your financial future. If you are living paycheck to paycheck and worry about your ability to make ends meet, contact a Modesto bankruptcy lawyer to discuss your debt relief options.

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