Creditor Card Debt

San Diego Credit Card Debt Relief Lawyer

Regain Control of Your Credit Card Debt Today

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.

Is Credit Card Consolidation the Right Choice 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.

Understanding the Benefits of Negotiating With Your Creditors

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.

Is Filing for Bankruptcy the Right Solution for Your Debt?

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

We’re Ready to Help

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to receive text messages from Debt Relief Legal Clinic at the number provided, including those related to your inquiry, follow-ups, and review requests, via automated technology. Consent is not a condition of purchase. Msg & data rates may apply. Msg frequency may vary. Reply STOP to cancel or HELP for assistance. Acceptable Use Policy

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.

    “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
    “I wish I could give him more than 5 stars.”
    John Colwell is a great attorney. I had a difficult case but he was able to get it done. This has changed my life. I wish I could give him more than 5 stars.
    - Terry D.
    “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.
    “He was very helpful in explaining the difference between my options”
    Daniel Wiedecker was extremely helpful. I had a unique situation in that I had two choices at the time of my appointment. One choice would cost me some legal fees the other choice none. He was very helpful in explaining the difference between my options. I will return to utilize his services when my situation changes.
    - Steve M.
    “They gave me expert advice and saved me a bundle of cash.”
    These are the nicest attorneys I have ever spoken to. They gave me expert advice and saved me a bundle of cash. They were so nice to me and responded so quickly and extensively via email.
    - Gina V.
    “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.
    “They were prompt and reminded me often of what the next requirements were so that I never skipped a beat.”
    Mr. Colwell and his team were awesome in assisting me through what started as a Chapter 13 and converted to a Chapter 7. They were prompt and reminded me often of what the next requirements were so that I never skipped a beat. The courts know his team and work with them to see to it that matters get resolved quickly. I would encourage anyone considering bankruptcy to contact DRLC first!
    - Lisa H.
    “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.