Michael Kalanta

Modesto Debt Settlement

It is our passion at McCarthy Law to help good, hard-working families work out their debt problems.  Many families in the Modesto have been swamped due to the state of the economy and find themselves with more credit card debt and student loans than they can handle.  Many are also upside down in their homes.

Banks and credit card companies are quick to send out credit cards and provide high limits but aren’t as helpful when it comes to working with you when things get tough.  One missed or late payment can cause interest rates to be raised dramatically despite many years of on-time payments.  Collection agency employees are trained to make phone calls, attempting to collect these debts and these calls can be extremely stressful and scary to receive.  Creditors can be ruthless at attempting to collect on these debts when a payment is missed or even late, even filing a lawsuit against you.  Your family needs representation by competent legal counsel that understands your struggle and is willing to work with you within your tight financial budget.

While McCarthy Law has a large nationwide footprint, we enjoy working in individual communities like Modesto, California and meeting with our clients face-to-face so we can understand their specific situation and needs.  From there, we give them strategies and timelines so they can make the best decision for their family.  Many people fell a huge relief after the initial consultation because they are given tools to move forward and understand the implications of their actions.  We always encourage you to act now and not delay getting help.  The worst thing you can do is nothing, and the longer you stay in denial, the fewer options you will have.

Our office in Modesto has an experienced and caring team to help you navigate these challenges in a confidential and comprehensive way.  Our Modesto debt attorneys will represent you in negotiating significant reductions in your debts, and also defend you against lawsuits from your creditors.  Prior to deciding, you can call our debt helpline and talk to one of our knowledgeable professionals. We can answer many of your questions and set up a free debt consultation with our Modesto debt attorney.  Michael Kalanta leads our Modesto office and he is anxious to meet with you and discuss the many alternatives to bankruptcy available to you. You are welcome to call our debt helpline, fill out the form above, or chat live with us.  We can set you up for a free consultation and get you started on the path to financial freedom.

Debt settlement means settling the debt for less than the current balance.  McCarthy Law believes that a significant reduction in the principal is what is most needed for a family to become debt free.  Many companies attempt to settle debts but they will never be able to offer any legal protection whatsoever.   And, many of these companies also cost their clients more in fees and get very poor settlements, and may or may not give you advice along the way.  If you find yourself consumed by your debt and it keeps you up at night, it is time to get professional help.  We would love to have the opportunity to give you your life back.  Call us today!