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Credit Card Debt

Chicago Credit Card Debt Lawyer

Credit card debt can pile up fast. Unfortunately, collection agencies will take notice, and debt collectors may already be knocking on your door. When you are facing overwhelming debt, keep in mind that you may be eligible for debt relief.

With a Chicago credit card debt lawyer on your side, you can overcome debt negotiations and stop Chicago debt collectors from taking over your life. When you start with a free consultation with us, the team at DebtPros offers the guidance and tools you need when you seek out a debt collection lawyer.

Do I Need a Credit Card Debt Lawyer?

While seeking out a law firm focused on debt collection is not a necessity, they can make debt relief easier. The average debt collector may be insistent, but your Chicago credit card debt attorney can help you navigate the debt collection process and avoid the ongoing stresses of debt. 

Likewise, an attorney can make seeking debt relief in the Chicago area easier through legal representation. Your attorney is typically the face of your legal claim, and they have the tools for claims like yours.

How a Chicago Credit Card Debt Attorney Can Help You Achieve Debt Relief 

A Chicago credit card debt attorney can help you explore various options, negotiate with creditors, and obtain debt relief for you while avoiding major legal consequences.

Negotiate Settlements with Creditors

One of the primary ways a Chicago credit card debt lawyer can help you is by negotiating directly with creditors to reduce your total debt. Many creditors prefer to settle for a lower amount than risk the debt collections being written off entirely in bankruptcy proceedings. With the skills of an experienced Chicago credit card debt lawyer, you can negotiate for a lump-sum payment or a reduced interest rate, making your debt much more manageable. 

Implement Debt Management Plans

Debt management plans (DMPs) are another option that a credit card debt lawyer can help you establish. Under a DMP, the lawyer works with your creditors to create a structured plan to repay the debt over time, usually with reduced interest rates or waived fees. This strategy is typically less invasive than bankruptcy, and it allows you to keep your assets while still making progress toward clearing your debt. 

Explore Debt Consolidation Options

In some cases, consolidating credit card debt into a single, lower-interest loan can be a practical solution. A Chicago credit card debt lawyer can help you explore debt consolidation options, work with creditors to secure favorable terms, or find reputable lenders who specialize in debt consolidation loans.

Represent You in Lawsuits or Collection Proceedings

If your credit card debt has escalated to the point where creditors are taking legal action against you, a Chicago credit card debt attorney can represent your interests in court and pursue a debt collection defense strategy. Your lawyer may also file motions to delay or prevent judgment against you, providing you with time to either settle the debt or seek a structured payment plan.

Legal Protection Under the Fair Debt Collection Practices Act (FDCPA)

Under the Fair Debt Collection Practices Act, debt collection agencies are prohibited from using unfair or abusive tactics to collect debts. If creditors, collection agencies, or a debt collection attorney is harassing you, your Chicago credit card debt lawyers can help you enforce your rights under the FDCPA.

Why Choose DebtPros

When you are facing major credit card debts, one of the most helpful tools is to have an experienced attorney on your side. With a lawyer to handle your case, you can rest easy knowing they have the experience and education to back up their claims. 

Working with DebtPros provides you with legal options that you may not have without an attorney on your side. We strive to get our clients the results they need. 

Chicago Credit Card Debt FAQ 

What is the average settlement for credit card debt?

Whether filing for bankruptcy or choosing another option, many clients find themselves able to wipe away thousands of dollars in debt. However, this number depends on the high interest rates you are facing and the scope of the Chicago credit card debt you have. Fortunately, your attorney can help keep creditors at bay and wipe away your debts.

How long before a debt is uncollectible in Illinois?

In Illinois, there is a statute of limitations for debtors to pay any unwritten credit. By law, the statute of limitations runs out 5 years after the credit card is used. If you do not pay before this point, you may still see contact from a creditor, but they may no longer have grounds for filing a claim against you and taking you to court.

Can credit card companies sue you in Illinois?

As a debtor, you may face legal consequences from a Chicago lender, which can be a difficult process to navigate. Fortunately, our attorneys are here to help you negotiate these situations, gather evidence, and represent you in the courtroom to protect your financial standing.

Fortunately, the right attorney can help you avoid severe consequences that can haunt you for a lifetime. Reach out to our team to get the tools you need to build a strong defense.

Reach Out for a Credit Card Debt Lawyer in Chicago

When you are facing severe credit card debt, it is easy to feel like your life is out of control. Worse, lending parties may be calling you non-stop, seeking the funds you borrowed. 

In situations like these, you may need assistance from a Chicago credit card debt attorney. At DebtPros, You have the opportunity to be proactive with your debt and potentially avoid major legal consequences. Your lawyer can walk you through the best opportunities to reduce, consolidate, or have your debt forgiven. 

If you are facing large amounts of debt and you need help, our team is ready to start with a free consultation about your opportunities. When you are ready, simply call or fill out our online contact form.

Client Testimonials

What Our Clients Say

I want to start by saying THANK YOU! John was patient, prompt, informative and easy to work with. In our time of need, he helped my parents file for bankruptcy successfully and at a great price. If you are ever in the need of any services concerning your debt and potential bankruptcy litigation, I give my word and experience that John is the BEST in the Chicagoland area.

- Eric McDowell

John was outstanding in the process of my chapter 7. Not only did he keep me abreast of every step and matter that involved my BK but he was reasonable with the price and the time I had to pay him. He sent me places that accepted my Bk when it came to getting a new car as well and his communication was an A+. There was never a time I couldn’t reach him and if he missed my call he would proceed to call back before the day over or early the next day. I recommend him to any and everyone!

- Lamar Johnson

John is a great lawyer to work with. It’s easy to be honest and share things with him. It felt good to communicate with him. When I reach out to him, he is very good at answering the phone or responding when he can. I recommend his work as well. He’s very organized and gets things done. Thank you John.

- JP W

This guy made my experience so smooth I would recommend him to anyone who is thinking about filing for bankruptcy. He is very patient with his clients and Is very informative. Every question I had he answered even if I asked it twice. Highly recommend!!!!!!

- Nikita Nichols

John is very patient, he’s worked with me from start to finish. Always answer my questions and never made me feel like I’m a bother. Never made me feel like I’m a number in his book. He’s very helpful and caring which is why I’d recommend him over any bankruptcy lawyer. Thanks John for all you do.

- Corey Ross

Thank you team DebtPros! The choice to file was not easy, but it was the best decision for my family. John, I appreciate your kindness, thoroughness, and professionalism. I feel like you’ve guided me through this process in a very personable way. Thank you for always being available to chat, and making the experience so efficient and understanding. I can see the silver lining toward a fresh start! Thank you again & Have a wonderful summer. Sincerely, SB.

- Shelly Boyki

I am honored to provide such a financial relief feedback for this amazing blessing whose name is Atty. Wonais. There is so much I could share endlessly about his superb knowledge and service that he offered me as his client. However, I will share what I found to be essential in my financial issues that Atty. Wonais selflessly provided to me as his client; his expertise, his ability of trustworthiness was "everything" oh my goodness he is truly trusting thru the entire process.

- Val B.

I was referred to them, and this has been the best decision I have ever made. I never been this confident in a person like I am with John. He heard my needs and wants, he made it possible to give me that. Excellent customer service. He put all my options on table to fit my needs. He never sugarcoat he gives it to you like it is meaning he’s not rude or unprofessional. He’s that person that tells you what you need and bot what you want. I have referred all my friends and family to his service.

- Nicole Murray

So one night I went online looking for advice on google and John came up and I called him on the weekend late evening and he happened to answered which was awesome. John helped me out with my situation he gave me amazing advice and options on how to take on my problems the right way. John is super easy to talk to Very informative and he answered all my questions.

- Freddy

This office and staff was amazing. I was referred to John from my best friend and as soon as I reached out he was very prompt on getting back to me and helping. From start to finish the process was amazing stress free and straight forward. He stayed in communication no matter what time of the day. If I had a question he had the answer. His tips and tricks and knowledge helped me a lot and made me more comfortable and excited about starting over.

- Kierra Smith

John took me on as a client with no problem. He was very understanding, passionate, helpful and available every step of the way. Trust me I am a very happy client, I definitely recommend John.

- Jessica Burton

John did a wonderful and seamless job with my case-he handled everything properly and was very timely in all of his communication. He is professional and reliable. I would highly recommend him to anyone who may have to deal with a bankruptcy. Five stars!

- Ashley I.

I had a great experience with Wonais Law, LLC. John is very patient and replies right away to any questions or concerns that you have. I would recommend his services to anyone.

- Erika Sing

If I can leave more stars I will. Wonaia Law is highly recommended. John is great with making sure I understand everything that was going on, I really appreciate how he’s always there to answer any questions I have ... My chapter 7 is just about over and I have 2nd chance with living life debt free.

- Tiffany Austin

John Wonais is responsive, professional, and cares for his clients. He is extremely experienced in civil litigation and has answered all of my questions in a way that I can understand as someone with zero experience in law. He has gone above and beyond and has always made sure to follow up with me when I’ve needed it. I truly feel that he has my best interest at heart.

- Ariana Khosravani

I really wanna give a big thanks to John he helped me out a lot. He walked me through everything to make sure I understand, good quality. I don’t think I could of did it without him ?

- Twona Gibson

He gave an expert and advise and a great service. He went all out to be sure I got a solution to the issue I had.

- Betty Salami

I want to thank John for helping me win my case he was very helpful throughout the process and very professional, thanks again.

- Diana M.

I was very impressed on how quickly I was responded to, and how my lawyer John made everything so easy for me to understand. I have never had to hire a lawyer before, and I'm really glad that I met such a professional, and honest person. I would highly recommended.

- Angela Mata

DebtPros is a law firm that specializes in consumer bankruptcy. John has years of valuable experience and is dedicated to helping clients file for bankruptcy. John is responsive and provides a free consultation to prospective clients. I recommend this firm to anyone who is considering filing for bankruptcy.

- Taylor Kosla

John Wonais provided me with timely and beneficial legal counsel. I would trust his firm to represent me in any creditor-related case. John's professionalism and expertise are second-to-none; highly recommend his services.

- Richard Young

Very helpful, professional and they’re reasonably priced.

- Anthony Brown

Great Professional Service- I have been working with Wonais Law the past couple weeks and I have been blown away from their attention to detail and professionalism. They get work done quickly and are extremely responsive. I would recommend this firm to everyone needing legal services.

- Andres Jara

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