In the United States in 2015, the average household is in more than $15,000 of debt. In total, consumers in the U.S. owe credit card companies more than $882 billion. If a big part of your own debt is credit card debt, you can relax – just a bit. Credit card debt is what bankruptcy courts call “unsecured” debt, meaning a credit card company can’t seize your vehicle or your home. In fact, if you’re burdened by credit card debt, you can negotiate with credit card companies to come up with a more realistic payment plan. If you’re in the Dallas-Ft. Worth area, ask an experienced Dallas debt negotiation lawyer to represent you and negotiate on your behalf.

You’ll find it difficult just to reach someone with the authority to negotiate if you try to deal with a credit card company by yourself. Even if you do reach someone, it may not help if you don’t have an effective negotiating strategy. The truth is, in most situations, you can’t reach a good agreement with a credit card company by negotiating informally. Most people will need an experienced debt negotiation attorney to use his or her training and negotiating skills on your behalf. Credit card companies may be more inclined to listen to and work with your attorney, and when you retain legal counsel, it demonstrates to creditors that you’re committed to resolving your debt problems.

A seasoned Dallas debt negotiation attorney knows a variety of negotiating strategies and knows what it takes to persuade a credit card company to work with you. In those cases where, eventually, your credit card debt cannot be negotiated, a debt negotiation lawyer can discuss your other options, including the possibility of filing for personal bankruptcy. Your debt troubles can ultimately be resolved, but first, you must take action. Arrange as quickly as possible to speak with an experienced Dallas debt negotiation lawyer.