If you’re struggling with credit card debt, you are not alone.

With our services, everything is included in one low manageable payment that includes payments to creditors on resolved debts. We don’t bill by the hour like a typical law firm. That way you won’t pay for the time it takes to discuss your situation, nor to get updates on your accounts, or call with any questions. Instead, your monthly payment is based on the total amount of debt you’re looking to resolve, your budget, and how quickly you want to pay off your debt.

When you call for your free consultation with our debt help team, we’ll give you an estimate of your monthly payment. Once you make the first payment, we’ll contact your creditors and take it from there! Request a Free Consultation

Our credit card debt relief program helps you resolve and pay off your debt.

We do not suggest consolidation loans because this moves your debt from one cycle to another and doesn’t solve the root issue. Our attorneys and staff are here to find the best credit card debt solutions so that you can walk away debt-free.

A creditor freezing your bank account can be an incredibly stressful issue. You won’t have access to the money in your account, and your bill payments might bounce back. Bank accounts are most commonly frozen when you’re being sued, and the creditor is trying to collect the debt owed. Unfortunately, this is a common practice, but it’s a situation we’re familiar with and have resolved many times for clients. For help understanding what’s going on and what you can do next, give us a call.

You can also read more about why an account might be frozen on our blog.

We always suggest consulting a professional, like an attorney, who knows the laws and can protect you through the process of settling debts with creditors. Here are some reasons why we recommend using a trusted professional for any debt resolution process:

1. It’s hard to negotiate when you don’t know the law.
2. Creditors will put you on tight deadlines and could feel threatening.
3. You could be sued.
4. Negotiations impact your credit score and ability to get credit.
5. As professionals, we understand how to resolve debt and know the laws surrounding debt settlement.
6. When you work with a professional, the work will be done right and reduce your risk of it coming back around as a larger issue in the future.
7. We have established relationships with the creditors and can likely provide more options than they’ll give someone negotiating for themselves.
8. Negotiating yourself is a stressful process that could be handled more efficiently by a professional.

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It’s hard to say precisely how debt relief services will affect your credit score. Resolving your debt often feels like two steps forward and one step back. You could see your credit score go down, but ultimately your debt-to-income ratio improves. When the debts are resolved, your credit reports are updated, and your credit score usually increases. Many of our clients tell us their score goes up while still working with us and are surprised at the end to see how quickly the change can happen!

Another important note is that the impact credit card debt relief has is nothing like bankruptcy. You can read more about how debt settlement affects your credit score in our blog.

Absolutely. You may not want credit cards, but you can get them. We ask that you try not to obtain credit or credit cards while in the program.

Credit card debt relief may involve debt settlement, but not always. Debt settlement is an agreement where a creditor agrees to forgive part of your debt. At Tayne Law Group, we work to resolve your credit card debt. Our process includes negotiating a resolution with your creditor, often referred to as a settlement or new agreement with your creditor.

There are many ways to resolve debt, but the strategy depends on your needs–that’s where we come in. After carefully assessing your situation, we’ll explain the best ways to resolve your debt. That way, you’re always up to date and know exactly what’s going on.

When you are behind on payments, it’s common to receive collections calls, and this can be very stressful. After you make your first payment, you can let the creditor know that any communications, calls, and questions are directed to us.

Creditors We Work With

In our debt relief program, we negotiate with your creditors to lower the debt you owe on your credit cards. Here are common companies we negotiate with:

• Chase
• Citibank
• Discover
• Bank of America
• American Express
• Synchrony Bank
• Capital One
• Comenity Bank
• Barclays
• Wells Fargo
• And many more!