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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

Eliminating Debt Without Paying It Off

It’s a common dream to wish that all of our debts could disappear without having to pay them off, but unfortunately, there’s no magic trick to make it happen. Debt doesn’t just go away on its own, and not paying it off can lead to serious consequences, like damaged credit scores, collections, and even legal action. However, there are some legitimate ways to manage debt and reduce your payments, so you can tackle your debt effectively and without adding any extra burden. Here are some tips to consider:

Debt Consolidation: One way to simplify your debt is by consolidating all of your debts into one loan with a lower interest rate. This can make it easier to manage and pay off your debt, as you’ll have one monthly payment instead of several. You can do this through a personal loan, a balance transfer credit card, or a home equity loan. A significant flaw in this approach to debt is that it does not eliminate or automatically reduce any of your debt burden.

Negotiate with Creditors: It’s possible to negotiate with your creditors to lower your interest rate or reduce your payments. Explain your situation and ask if they can work with you to find a solution that fits your budget.

Credit Counseling: A credit counselor can help you create a budget and a debt management plan. They can negotiate with your creditors on your behalf and help you prioritize your payments.

Bankruptcy: While bankruptcy should be a last resort, it can be an option for those who are overwhelmed with debt and have no other options. However, it can have serious consequences, like a damaged credit score and difficulty obtaining credit in the future.

Sell Assets: If you have assets like a car or a second home, selling them can help you pay off your debt. While it can be difficult to part with your belongings, it’s a practical way to reduce your debt and start fresh.

In conclusion, while there’ s no way to get rid of debt without paying it off, there are several ways to manage it effectively and reduce your payments. By seeking professional help, consolidating your debts, negotiating with creditors, or selling assets, you can take control of your financial situation and move towards a debt-free future.

If questions, reach out to your Modesto bankruptcy attorney at 209-438-4990

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