Susan Hemb

Fresno Debt Attorney

Susan Hemb, Of Counsel at McCarthy Law PLC Fresno

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You have probably seen the online ads and heard the radio commercials in Fresno advertising various businesses ready to take your money declaring they will reduce your debt. There are many debt settlement companies who claim to settle your debt, but they cannot represent you and defend you against creditor lawsuits like a law firm can.  Most people don’t realize there are many options available to them other than bankruptcy.  McCarthy Law works with many types of debt including credit card debt, me and student loan debt.  We also succeed in negotiating mortgage debt, unsecured personal loans, and IRS tax debt.  If you are burdened with any of these types of debt, we invite you to call us.

What is debt settlement? 

Also known as debt negotiation, debt reduction, or debt relief, it is an often unknown solution for people needing real debt help. A major difference between McCarthy Law and debt settlement companies is we negotiate significant reductions in your balance, then negotiate payment terms with your creditors that work with your current financial circumstances.  Other companies wait until they have the full amount before paying anything to your creditors.  When you enter into our debt settlement program, we will negotiate with your creditors and procure a significant reduction on the balances you have on the day you sign so you pay much less than what you previously owed.  This considerable decrease is what we think is necessary in order to really dig out.

Our experienced Fresno debt settlement attorney, Susan Hemb, will sit down with you personally, discuss your specific situation, and help you make an educated decision about debt relief options by giving you the information you need.  While McCarthy Law is a national debt relief firm, we believe in the personal touch.   We also believe in doing business the old fashioned way, through an honest and confidential face-to-face meeting to discuss your specific situation, let you know what your options are, then create an achievable plan unique to your financial abilities.

It’s important to know a law firm doesn’t mean higher fees, either.  Debt settlement companies frequently cost more, get inferior results, and are not able to deliver what they promise.  Everything is done online and over the phone, not allowing you to build a personal relationship with the people who will commandeer your financial future. Meeting with people face-to-face helps us put the customer at ease and be able to read their body language, answer their questions,  and address their concerns.

Susan Hemb is a compassionate attorney who takes the necessary time to tailor her representation to meet the unique needs of each client, and has vast experience meeting with families who are overwhelmed by their debt burdens.  She has a strong knowledge of financial difficulties families face and enjoys talking with each client in person to discuss their personal story.  Many people find great relief after meeting with Ms. Hemb because they understand their options and discover there is hope for financial freedom.

How can a debt attorney really help me?

There are many ways an attorney can help you that debt settlement companies cannot.  First, we will work with your creditors to negotiate and significantly reduce your unsecured debts for a fraction of what they claim you owe now. Representation from an attorney can help you minimize the monthly payments you are making now, and avoid foreclosure on your home.  McCarthy Law can also help you reduce your interest rates, avoid Chapter 7 and Chapter 13 bankruptcy, and stop the harassing calls from your creditors and collection agencies.

Unfortunately, there are many good, hard-working families in Fresno in the same situation as you, and it is our purpose to represent you and help you on the path to truly becoming debt free. In Fresno, our staff is compassionate, caring, and never judgmental, and we focus on helping people burdened by overwhelming debt.  We want you to have all the information necessary so you can make the very best decision for you and your family.

Can I put it off?

The longer you wait, the fewer options you will have, and the more opportunities your creditors have.  Avoiding your creditors may work in the short term, but it is only a Band-Aid and will only makes things more difficult and complicated in the future.  Our professional advice is to not delay.  Denial does not solve your problems, and continuing to ignore your financial responsibilities will only escalate your debt issues and help your creditors.  A few late payments and missed payments are all it takes for creditors to become antsy and take action.  Many creditors and collection agencies are quick to sue, and people who put off getting immediate help often find themselves with a lawsuit.  As an experienced debt law firm in Fresno, McCarthy Law can not only help negotiate your debt but also represent you in the case of a lawsuit, something debt settlement companies can never do.

Let Susan Hemb discuss your options with you and create an individual plan that will work best for you and your family.  She is great with clients who are facing financial crisis and the difficulties associated with debt. Whether you are struggling with credit card debt, student loan debt or other types of unsecured debt, we can represent you and negotiate to reduce your debt. We offer a free consultation with absolutely no obligation.

There are many ways to get started; call us, chat with us, or fill out the form to the right.  We can answer many of your questions and get you set up to meet with a qualified debt attorney when you are ready.  Call us today and give us the opportunity to show you how we can help you become truly debt free.