• 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.

The Debt Snowball

Snow is something we Californian’s don’t have a lot of experience with. However, we’ve all probably been in a snowball fight or we have built a snowman at some point in our lives. We figured out that we can make a tiny bundle of snow and then roll it around and it will continue to grow. This same technique can be applied to paying off debt.

The debt snowball works like this:

  • Write out a list of your debts from smallest to largest
  • Make the minimum payments on all of your debts, except the smallest
  • Pay as much as possible on your smallest debt
  • Repeat until each debt is paid in full

Sticking to the Plan

By eliminating the smaller debts first, you see faster progress and this inspires you to keep moving forward. A 2016 study in Harvard Business Review came to the conclusion that people who pay off smaller debts first are more likely to stick with the plan until their debt is paid in full.

If your debt is insurmountable and the snowball method won’t cut it, contact your Modesto bankruptcy attorney.

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