Creditor Card Debt

San Diego Creditor Card Debt Lawyer

Helping Clients Get Control of Their Credit Card Debt

If you have a lot of credit card debt, you may feel as if you are drowning. You may be worried about paying your bills on time and making ends meet. If you have a lot of credit card debt, you may be considering filing for bankruptcy. However, there are other options available to you. You may be able to get control of your credit cards by consolidating them into one card or by negotiating with your creditors.

At Debt Relief Legal Clinic, we can help you figure out if consolidating your credit cards or negotiating with your creditors is right for you. We can also help you determine if filing for bankruptcy is the best option for you. We have years of experience helping clients in San Diego and throughout Southern California.

To learn more about creditor card debt and how we can help you, contact us online or call (619) 639-9228 today to speak with a credit card lawyer near you.

Consolidating Credit Cards: Is It Right for You?

Consolidating your credit cards may be a good option for you if you have a lot of credit card debt and you want to simplify your finances. When you consolidate your credit cards, you will take all of your existing credit cards and combine them into one card. This may simplify your finances, and you may be able to better manage your finances. However, consolidating your credit cards may not be right for you if you have a lot of credit card debt and you want to get out of debt.

Consolidating your credit cards can be helpful if:

  • You have a lot of credit card debt and are having trouble keeping up with your payments.
  • You want to simplify your finances.
  • You want to earn rewards on all of your credit card purchases.
  • You want to earn rewards on all of your credit card purchases and simplify your finances.

Consolidating your credit cards may not be right for you if:

  • You have a lot of credit card debt and want to get out of debt.
  • You have a lot of credit card debt and want to simplify your finances.

If you have a lot of credit card debt and you want to get out of debt, consolidating your credit cards may not be the best option for you. You may be better off consolidating your credit cards into one card and then negotiating with your creditors. You may be able to negotiate a lower interest rate on your credit card and pay off your credit card debt more quickly. You may also be able to negotiate a lower interest rate on your credit card and pay off your credit card debt more quickly.

Negotiating With Your Creditors: Is It Right for You?

Negotiating with your creditors may be a good option for you if you have a lot of credit card debt and you want to get out of debt. You may be able to negotiate a lower interest rate on your credit card and pay off your credit card debt more quickly. You may also be able to negotiate a lower interest rate on your credit card and pay off your credit card debt more quickly.

Negotiating with your creditors may not be right for you if:

  • You want to get out of debt as quickly as possible.
  • You want to pay off your credit card debt as inexpensively as possible.
  • You want to pay off your credit card debt as inexpensively as possible and get out of debt as quickly as possible.

If you want to get out of debt as quickly as possible or pay off your credit card debt as inexpensively as possible, negotiating with your creditors may not be the best option for you. You may be better off consolidating your credit cards into one card and then negotiating with your creditors. You may be able to negotiate a lower interest rate on your credit card and pay off your credit card debt more quickly. You may also be able to negotiate a lower interest rate on your credit card and pay off your credit card debt more quickly.

Filing for Bankruptcy: Is It Right for You?

Filing for bankruptcy may be a good option for you if you have a lot of credit card debt and you want to get out of debt. You may be able to eliminate your unsecured debt by filing for bankruptcy. You may also be able to eliminate your unsecured debt by filing for bankruptcy if you have a lot of credit card debt and you want to simplify your finances. You may be able to eliminate your unsecured debt by filing for bankruptcy and simplify your finances.

Filing for bankruptcy may not be right for you if:

  • You have a lot of credit card debt and want to simplify your finances.
  • You have a lot of credit card debt and want to get out of debt.

If you have a lot of credit card debt and you want to simplify your finances, filing for bankruptcy may not be the

Call Debt Relief Legal Clinic at (619) 639-9228 today to schedule your free consultation with a credit card debt attorney near you.

Why Choose Debt Relief Legal Clinic?

  • Certified Bankruptcy Specialist
    Attorney John C. Colwell has been recognized by the State Bar of California as one of 12 certified legal specialists in San Diego County for Bankruptcy Law.
  • Experienced
    Our attorney has over 35 years of experience and has dedicated the firm to consumer bankruptcy.
  • Bilingual
    Our legal team is bilingual and serve our clients in English and Spanish.
  • Immediate Past President of NACBA
    John C. Colwell has been a member of NACBA for 25 years and is the Immediate Past President.
  • Personal Approach
    We are a family-oriented business, committed to helping you get relief from debt.
  • Affordable

    We offer free consultations and take online payments for your convenience.

Contact Us Today

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Hear From Our Happy Clients

At Debt Relief Legal Clinic, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    “They made me feel like family. I could always call them for any questions and they would help me out.”
    I'm so grateful to the Debt Relief Legal Clinic, they are very professional. They made me feel like family. I could always call them for any questions and they would help me out. The process was very easy and I felt very confident that I was in the best hands. The staff was very efficient and professional. Thank you very much to all the staff and to Dan, I could not have made it through this without you. I highly recommend Debt Relief Legal Clinic to anyone in need of their services. Thank you very much.
    - Elizabeth O.
    “Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom meeting during covid-19 pandemic to answer my additional questions prior to discharge!”

    Mr. John Colwell and his team helped me get through chapter 7 without a glitch! I'm so thankful for the support I received over the past year. I had lots of life changes this past year and I knew what I needed to do financially and who to call. I met Mr. Colwell in 2002 when I needed support and a chapter 7. He also helped my husband with his chapter 13. I was so happy he was still in downtown SD all these years later and available to meet with me when I was ready. Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom mtg. during covid-19 pandemic to answer my additional questions prior to discharge! Financial Freedom is an awesome feeling! I'm looking forward to what comes next in life!! Won't be making the same mistakes. Live and learn! I recommend it! Thank you so much! Stay safe!   

    - Lori Kalman Adkins
    “John C. Colwell makes every effort to get the help you need, with no catch! No hidden fees, costs, or surprises.”

    It it is a tremendous relief, there is such a business as Debt Relief Legal Clinic!! I learned about DRLC from a close friend who had to file chapter 7 some years ago. This place has 30 Years of Bankruptcy Experience and demonstrates a highly proficient and professional approach to personal debt matters. John C. Colwell makes every effort to get the help you need, with no catch! No hidden fees, costs, or surprises. He is very honest and upfront from your initial consultation, about the likelihood of the outcome of your case, and the process- which is simple and very straightforward. His fees are EXTREMELY reasonable considering the professional and efficient service provided- you can even make payments for the fees (worth every penny to walk away debt free!). As part of the process, you will learn, you are required to take a couple of online classes. The classes are designed to educate you, to manage your debt moving forward, and remaining debt-free...avoiding the trouble you got yourself into in the first place. The fact DRLC has a practice that not only eliminates or consolidates your debt (depending on your case), but guides you to to remain debt-free, shows the sign of a company with a true vested interest in your success of becoming (and staying) debt-free! You could not ask for anything more from a firm of this type. I HIGHLY recommend anyone feeling the pains or stress of being in debt to (at the very least), consider a consultation with DRLC. You will forever be grateful for a service of this type, that navigates you through a (seemingly) overwhelming process.

    - CD O.
    “John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services.”
    John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services, attention to our questions and knowledge in their field of law.  We would recommend anyone to this law firm.  They are specialists and you are in good hands with this talented group of professionals.
    - Allie F.
    “John and his team DELIVERED!”
    John and his team provide top tier services with a price point that will not set you back. The value is unmatched. I knew I found the right place after my first Zoom meeting with John. After dealing with different attorneys in different arenas, I was a skeptic before meeting John face to face. After our initial meeting all my fears were gone. John is very down to earth and very easy to talk to. I did not sense the slightest hint of ego or intimidation that I have seen with other attorneys. John and his team DELIVERED! I felt that with the guidance and information given to me by this company that I had full confidence in this solution to my challenges. Not only did i have confidence in Johns knowledge of his profession, I had full confidence that all of Johns team were there to support me with any questions or concerns. I feel a thousand pounds lighter after this experience with DRLC and i would send my closest friends and family in their direction if ever the situation arose.
    - Matthew B.
    “I would wholeheartedly recommend this business to any of my family and friends.”
    I decided to use this company for help with my business needs. The assistant Vanessa was extremely helpful and easy to work with! I would wholeheartedly recommend this business to any of my family and friends.
    - Vera L.
    “I can't say enough about how wonderful the staff and the attorneys are to work with through the process.”
    I want to recommend the Debt Relief Clinic for their wonderful service and knowledge, which you need when you're at a tough time in your life. I can't say enough about how wonderful the staff and the attorneys are to work with through the process. They give wonderful advice and always answer any questions very quickly. I really recommend this law firm.
    - Laura M.
    “Even better, he seems to honestly care about the law he practices, and the people that these laws affect.”
    I can only give a review of the half-hour I spent with Mr. Colwell, but it was a half-hour very well spent. He seems like a stand-up guy with a lot of integrity. I went into his office fully expecting to be filing bankruptcy, but instead, he talked me out of it. I was prepared to defend a hard sell, and I didn't get that at all, it was a relaxed conversation, like two people chatting over a beer. It's obvious he knows what he's talking about and is able to put the law into language that even a layperson like me can understand. Even better, he seems to honestly care about the law he practices, and the people that these laws affect. While his services weren't right for my situation, I will definitely be recommending him to anyone who might end up needing a bankruptcy lawyer.
    - Jeffrey B.