Debt Relief

Jackson Debt Relief Lawyer

Are you drowning in debt and searching for a way to reclaim your financial freedom? Debt can be overwhelming, impacting every aspect of your life. It can lead to wage garnishment and filing for bankruptcy. Our experienced Jackson debt relief lawyer is here to help you navigate through the complexities of debt and find solutions tailored to your unique circumstances.

The Law Offices of Wes Stover serves clients in Jackson, Laurel, and the surrounding areas. Call us at (601) 401-8996 or contact us online to schedule a free consultation.

Common Causes of Debt

Personal debt is a prevalent issue affecting people from all walks of life and for a variety of reasons. There are various factors that contribute to this challenge, and no one should ever feel shame over struggling with debt. It’s far more common than you may realize. 

Some of the most frequently recurring reasons for personal debt include the following: 

Student Loans

With the skyrocketing costs of higher education, student loans have become a significant burden for many people. The pursuit of a college degree often requires borrowing substantial amounts of money, leaving graduates with sizeable debt to repay. 

Medical Debt

Unforeseen medical expenses can quickly accumulate. Even with health insurance, individuals may face high deductibles, co-pays, or out-of-network charges that can strain their finances. Additionally, serious medical conditions or emergencies can lead to prolonged hospital stays, surgeries, or ongoing treatments, further exacerbating the financial burden.

Personal Loans & Credit Loans

Personal loans, often obtained from financial institutions or private lenders, can offer temporary relief during times of financial need. However, they can also contribute to personal debt. Credit cards offer convenience and flexibility but also come with high-interest rates that can quickly spiral out of control and become increasingly difficult to manage. 

Divorce 

Divorce can have a significant impact on an individual's financial well-being. Legal fees, division of assets, alimony, child support, and changes in household income can all contribute to personal debt during and after a divorce. Adjusting to a new single-income household or dealing with unexpected expenses can put a divorcee under financial strain.

Commonly Asked Questions

What Options Are Available for Student Debt Relief in Jackson?

In Jackson, individuals struggling with student debt have several avenues for relief. These include income-driven repayment plans, student loan consolidation, public service loan forgiveness for those who qualify, and potentially negotiating settlements on private loans. Our Jackson debt relief lawyer can provide guidance on these options and help you find the most suitable path to manage or reduce your student loan burden.

How Can a Debt Relief Lawyer Assist with Medical Debt in Laurel & Surrounding Areas?

A debt relief lawyer can assist with medical debt by reviewing your financial situation and advising on strategies such as negotiating with healthcare providers or creditors to reduce the amount owed, setting up manageable payment plans, or exploring debt settlement options. In Laurel and the surrounding areas, our law office can also help protect you from aggressive collection practices and provide legal representation if necessary.

Why Choose The Law Offices of Wes Stover?

  • Empowering Your Legal Journey
    We are more than a law firm; we're your partner in seeking a brighter future. We stand by your side, providing expert guidance through virtual consultations and direct attorney involvement. Your success is our mission.
  • Virtual Meetings, Real Solutions
    Embrace the convenience of virtual consultations. We understand the importance of accessibility. That's why we offer free virtual consultations, making it easier than ever to get the legal advice you need from the comfort of your own space.
  • Your Legal Ally for Over 30 Years
    Trust in a legacy of excellence. Our track record spans over 30 years, a testament to our unwavering commitment to achieving the best outcomes for our clients. Your legal journey deserves nothing less. Let's create a brighter future.
  • Direct Attorney Engagement
    Experience personalized legal support like never before. We believe in direct attorney-client collaboration. Your case matters, and our attorneys are here to work closely with you, ensuring your voice is heard and your needs are met.

Common Creditor Harassment Tactics

Unfortunately, it’s far too common for creditors to engage in aggressive tactics in pressuring people for repayment. While debt collectors have the right to pursue unpaid debts, they are required to abide by certain laws and regulations that protect consumers from abusive and harassing tactics. You have more legal protection than you may realize. 

Here are six common illegal creditor harassment tactics:

  • Intimidation: This can include aggressive language, threats of legal action, or references to potential consequences, such as wage garnishment or property seizure. 
  • Verbal abuse: Offensive language, personal insults, or derogatory remarks towards the debtor are not permitted under the law. 
  • Physical threats: Some debt collectors may go further by making physical threats to debtors. This can involve direct or implied threats of violence, harm to property, or other forms of intimidation. 
  • Financial threats: Debt collectors may resort to making false or misleading statements to frighten debtors. They may threaten to ruin your credit score, disclose personal information, or make false claims about legal consequences. 
  • Excessive contact: Federal law limits the number of times a debt collector can contact you and prohibits contact at inconvenient times, such as early mornings or late evenings. 
  • Profanity: Debt collectors are required to communicate in a professional and respectful manner when dealing with debtors. The use of profanity is a violation of these regulations.

If individuals experience any of these illegal creditor harassment tactics, it is important to take action. 

The steps you can take include the following: 

  • Document every incident when you’ve been harassed. Be sure to note the date, time, and details of the incident. 
  • Let the creditor know that you are aware of the harassment and they are to stop. Our office can help you draft a letter to this end. 
  • Report the harassment to the Consumer Financial Protection Bureau, a federal agency there to protect your rights. This report, and following up on it, is another area where our office can help.
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Making Futures Brighter 

Don't let the weight of debt dictate your life any longer. Let our Jackson debt relief lawyer help you explore the options available and develop a customized strategy to achieve financial freedom. Together, we'll work towards a better and more prosperous future.

Our free consultation can be either in person or virtually, whichever you prefer. Call The Law Offices of Wes Stover at (601) 401-8996 today.

  • "Thank you for being understanding."
    Throughout the years, The Law Offices of Wes Stover have been really helpful. Thank you for being understanding and ensuring that my case was never overlooked. Please be safe, and may you all prosper in the years to come.
    - Grover H.
  • "Outstanding and professional service."
    Outstanding and professional people to work with. This is my second time filing due to hardship. They were very understanding and did not charge a high price. They got the job done, so thank you, everyone at The Law Offices of Wes Stover.
    - Natasha W.
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