couple looking at credit card debt bills

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

What is credit card debt relief?

Credit card debt relief is a process that allows you to resolve your debt for less than what you owe. At Tayne Law, our lawyers’ effective negotiation strategies have helped clients resolve their debt with credit card companies for more than 20 years.

Success Stories

Who benefits from credit card debt relief?

People who benefit the most from credit card debt relief have some things in common. If you’re struggling with any of the following, credit card debt relief could be the right debt solution:
  • The debt is growing faster you can pay
  • You cannot make your payments or are falling behind on payments
  • It might take 5, 10, or even 20+ years to pay off your credit card debt
  • The interest rate is so high that it’s reached the double digits
  • You’re borrowing to keep up with the bills and day-to-day expenses
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Still not sure? Calling is the fastest way to find out if debt relief is the right solution, (866) 890-7337.
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“We’ve been awarded the ‘Best Debt Consolidation Service’ for 9 years running and are accredited by the Better Business Bureau.”

How it works

  • First, reach out

    Call for a free consultation! We’ll work with you to develop a manageable monthly payment based on your debt amount.

  • Make your first payment

    After you make the first payment, we’ll let the credit card company know you’d like to resolve your debt. Unlike other companies, we don’t wait for funds to build up or ask for settlement fees before working to resolve your debt.

  • Negotiations begin

    This process can take anywhere from a few months to a few years, depending on your debt and the creditors we’re working with. While you’re making payments, we’ll work with creditors to resolve your debt.

  • The debt is resolved

    As soon as we get a settlement that makes sense, we’ll let you know and discuss the next steps. At this point, you’re near the finish line.

To get started, call (866) 890-7337.
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Why people choose Tayne Law

A debt relief law firm

Personalized Program

Every situation is unique. We’ll work with you to find a solution that resolves your debt and frees up your cash flow.

No-billing
Policy

You make one low monthly payment and will never get an unexpected bill.

Experienced NY Debt Attorneys

We have more than 20+ years of experience providing clients with debt relief.

Confidential & Trusted

As a law firm, our attorneys follow strict client confidentiality. Our services are discrete and effective.

Work with Creditors

We work with all creditors, whether you’re dealing with a collections firm, a national bank, credit union, or another lender.

A company you can trust

When you work with us, know that your money is safe and your debt in good hands. As a law firm, we’re held to a higher ethical standard than the average company. Our open-door policy is designed so you can talk to us when you need to, and we won’t send any unexpected bills. At Tayne Law, we’re a group of supporters, advocates, and debt professionals prepared to help with any of your concerns.

Wherever you’re from, find out how we can help.

While our offices are based in New York, we work with clients from around the world. Laws and regulations vary by state, and you don’t need to navigate them alone!

Whether you’re here in New York, in another state, or even another country, our team will work with you to understand your issues and guide you in the most efficient and cost-effective way.

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In 2021, consumer debt in the U.S. reached $14.36 trillion dollars.

According to the Federal Reserve Bank of New York

People are asking

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.

Learn about debt consolidation.

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.

Request a Free Consultation

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!
Still have questions? Call (866) 890-7337

Request a Free Consultation

Your initial phone consultation is free and requires no committment!
A team member will respond within 1 business day.

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