Issues with debt are incredibly common in the United States, with U.S. consumer debt reaching $4.1 trillion in June of 2019. America has created a society where living wages are not often given and many people rely on loans or credit cards to get by. Everything from buying a car to paying for medication can land a person with crippling debt payments or endless calls from debt collectors.
Something important to remember if you are someone in this kind of situation is that people are fighting back against these patterns. You are not alone in your struggles and there is help available for you. Whether you need a debt relief attorney or want to learn more about debt collection laws, you can get assistance. Here are some things you can do to educate yourself about fair debt collection or get other support:
Debt Support Groups
If you find yourself looking for emotional support as well outside ideas on how to handle your finances, debt support groups can be a great option. You can come together with like-minded people who are going through similar situations. Not only can this help you to feel less alone in your struggles, but others might bring ideas to the table that you haven’t considered. It’s also helpful for those who have a hard time controlling their spending. You can find these groups online, but there may even be one in your area that you can meet with in person.
Debt Relief Attorney
While this blog is not able to offer official legal advice, you can get that type of assistance from a debt relief attorney. Some offer free consultations and advice if that is all you are looking for, but you can also get help fighting back against agencies who are abusing your money and information. They can guide you towards debt relief in whatever way works best for you. This is often one of the best options because these attorneys are well versed in debt laws and will know which solutions are best for your particular situation.
Another option you can look into if you are trying to rebuild your credit and manage debt is credit counseling. If you are simply looking for guidance and knowledge as you work through your debt, this can be a useful tool. It provides you with assistance along the way as you learn to raise your credit score again and pay off debt in a way that works for you.
Whatever resources you choose to use, it’s important to remember that you don’t have to face your debt struggles on your own. Don’t be afraid to reach out to an attorney or other organizations in your area who can assist you. There is no shame in getting help and you will feel better once you’ve started down the path towards a debt-free life.