Debt Consolidation Attorney in Sacramento, CA

Debt Consolidation Overview

During these tough economic times, millions of people across the country are under severe financial stress. They may be suffering from the burden of overwhelming medical bills, ballooning credit card debt or rising loan payments. If this sounds like you, hiring a knowledgeable attorney can help.

The Thomas Hogan Law Office is committed to helping Sacramento, California, residents manage their debt. Our lawyers know that money woes can happen to anyone, which is why we have dedicated 25 years to helping people just like you with bankruptcy and debt consolidation.

Getting the Help You Need

We work with you and your creditors to:

• Negotiate your debt down: Ideally, you will only end up paying one-third to one-quarter of what you actually owe.
• Reach a consolidation agreement: This can involve negotiation, but will ultimately result in you making payments to only one lender.
• Modify the structure of your loans: This could mean lowering you interest rate or increasing the term of your loan.
• Develop tax maneuvers that could reduce the amount you owe at the end of the year.

In the event that these options are not available, we can assist you in filing for Chapter 7 or Chapter 13 bankruptcy. While both will stop wage garnishments and creditor harassment, one or the other may be better suited to your needs. Based upon the specifics of your case, the experienced attorneys at the Thomas Hogan Law Office will help you determine what the best course of action may be.

No matter what the situation, our legal team will always keep you informed of your options and act according to your wishes. To start your journey to a fresh financial future, call a lawyer at our firm for a free consultation at 916-756-0243.

Other Frequent Case Types

• Divorce

Areas of Practice

• Debt Consolidation
• Debtor/Creditor
• Bankruptcy Law