Credit Card Debt Helping You Live a Debt Free Life

San Bernardino Credit Card Debt Attorneys

Trust Our Track Record of Success

Anyone can fall into credit card debt, and millions of Americans find themselves owing money to creditors each year. In fact, as of 2018, 55% of U.S. adults who have credit cards reported also having debt, according to a survey conducted by CNBC Make It and Morning Consult. While plenty of individuals turn to credit card debt settlement companies, our attorneys are here to inform you on your other options, some of which may be more beneficial to you than settling. At SM Law Group, APC, our San Bernardino credit card debt attorneys advise clients on their best options for eliminating debt, including bankruptcy. Though your situation may feel dire, we’re here to give you a helping hand.

Call us for dedicated, client-oriented service at (818) 805-1758, or contact us online. We’re available to speak with you in English, Spanish, or Farsi.

The Dangers of Credit Card Debt Settlement Companies

While credit card settlement companies serve to negotiate lower payments on credit card bills for debtors, something individuals should be aware of is that this means you’d need to pay money over a long period of time – sometimes for longer than three years. In this way, eliminating your debt will take years.

It’s also crucial to understand that many credit card debt settlement companies are known for making promises to debtors that they can’t keep.

It’s recommended that you avoid any debt settlement company that does the following:

  • Tells you it has the power to stop all debt collection calls and harassment
  • Tells you to simply halt communication with creditors
  • Charges fees before settling your debt
  • Guarantees it can eliminate or reduce your debt

Before you make any decisions that can impact your financial future, we recommend calling our bankruptcy lawyers who have years of experience helping clients get out of debt.

How We Can Help

When you hire our skilled bankruptcy lawyers, you can receive dedicated legal counsel on how to handle your credit card debt. We’re able to provide options to stop collection calls and assess your situation so we can recommend the best course of action.

Our team can recommend bankruptcy as an option if you’re unable to pay your credit card bills. There are two main types of bankruptcies that individuals can file under: Chapter 7 and Chapter 13 bankruptcies. Chapter 7 is an option for those who aren’t able to pay off any of their debt, as it eliminates debt through the liquidation of the debtor’s assets. Chapter 13, meanwhile, may be for those who can pay for some but not all of their credit card bills, as it reorganizes your payments and allows debtors to pay creditors over a period of time.

Our lawyers believe in transparency when it comes to communicating with clients, which means we are always upfront about options and outcomes. We’re able to provide counsel and help you file for bankruptcy, should you decide to proceed. We stand by the sides of our clients so they feel confident in knowing there’s a way out of debt.

Call our San Bernardino credit card debt attorneys today at (818) 805-1758 for a free consultation.

Get a Fresh Start & Wipe Away All Your Debt

See Our Winning Case Results
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual Chapter 13 Over $75k in Mortgage Arrears Reorganized
  • Small Business Chapter 7 Over $2 Million Debt Discharged
  • Individual Chapter 7 Over $1 Million Debt Discharged
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Client Reviews

Hear From The People We've Helped
  • I would recommend them to anyone.

    “Very professional. Even when the defending insurance company tried to drag out the procedure and lowball the payment, the attorneys at SM would always push forward in order to get me the highest ...”

    - Joshua N.
  • Great working with you guys!!

    “I'll contact you guys again if I need help with anything else. Much appreciated all the help from everyone at your office. Thanks!”

    - Hermes P.
  • They were awesome and spent time with me over the phone and answered my questions.

    “I had some legal questions and I gave them a call. They were awesome and spent time with me over the phone and answered my questions. With all this Covid stuff I didn't need to even go into their ...”

    - Shawn M.
  • I can finally say that someone helped me get justice.

    “John as helped me with multiple matters. I can confidently say that he was the easiest and best lawyer I could of asked for. He is a professional when it comes to maximizing settlements and getting ...”

    - Eddie S.
  • I was extremely happy and satisfied with my settlement and outcome of my case.

    “My personal injury attorney was Kian Mottahedeh. He was extremely professional, and he was always available whenever I had a question or concern. Both of his legal assistants, Esmeralda and Genesis, ...”

    - Dan N.
  • Thank you, Kian, for your professionalism and expertise!

    “During the most difficult time SM Law walked me through every step and got me an amazing settlement. Thank you, Kian for your professionalism and expertise! I highly recommend SM Law!”

    - Nathan N.
  • The absolute best when it comes to handling bankruptcy!

    “They do not pass any judgment upon you - they are simply there to help. I found them to be honest, reliable and timely. The support staff is extremely friendly and very informative. The lawyers have ...”

    - Anna G.
  • John and the representative who met me at the courthouse were very thorough and guided me every step of the process.

    “Thank you John Sarai and the rest of SM Law Group for helping me file my Bankruptcy Chapter 7 case. It was a smooth process. John and the representative who met me at the courthouse were very thorough ...”

    - Evitha B.
  • They made a very stressful situation much easier for me.

    “SM law group handled my bankruptcy case and I was very satisfied with their service. They made a very stressful situation much easier for me. They explained everything to me and it was fast and ...”

    - Lenny DcComics
  • I have never experienced more professional care. My phone calls and emails were answered within 5 minutes!

    “Absolutely outstanding experience! Kian Mottahedeh was my attorney. I have never experienced more professional care. My phone calls and emails were answered within 5 minutes every single time. Kian is ...”

    - Lenka Wallace
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In The News

Recent Feature in The Los Angeles Daily Journal

Learn more about the work that is captured in the news. Our team is recognized in our community and among our peers for our tireless devotion to clients facing bankruptcy and personal injury-related matters.

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