Are you overwhelmed with the size of your debt? Are you unsure about what you can do? Stop struggling with overwhelming debt. You have options! 

Can’t Keep Up With Your Bills?

First, take some time to put together your bills. Taking stock of your expenses and income will help you get the best idea of where you are financially and what can be done. Already have a budget in place? Your budget can evolve! It does not need to be complicated, especially when there are a number of free resources. You don’t need to spend more than 10 minutes on it a day. You can always adjust and evolve your budgeting habits over time!

Life can throw some curve balls, so don’t get derailed by those changes. You can simply adjust whatever budget you have in place to include your annual expenses, potential one off events, gift giving seasons, and even an emergency fund.

Received a Judgment?

Do not ignore it or throw any documentation away. You will know that it is a real lawsuit, if you were served by a process server. In California, you must respond within thirty days of receiving the summons and complaint. However, the response time will vary based on the state in which you live. Many people ignore the summons and complaint thinking that the charged off debt is no longer collectible. Once a credit card has been unpaid for 120-160 days, many banks will charge off the debt and then sell the right to collect to debt buyers.

Once you have been served, you need to act quickly. If the company suing you wins, you will end up with a judgment against you which can result in garnished wages. However, you have options to avoid the judgment against you: fight it in court, settle your debt, or file for bankruptcy.


Don’t be scared by the thought of bankruptcy! It can be your best bet for a fresh financial start. However, you want to be sure you go about it the right way. Do not hold off on speaking with a qualified bankruptcy attorney. Most attorneys offer free consultations to go over your situation and recommend your best options. In fact, our office is happy to speak with you about your financial concerns and offer you the best options to get you back on track. Click here to read more about California Bankruptcy and how it can help you.

Need More Information?

At the Law Office of Daniela Romero, APLC, we believe in relationships that are based on trust. Before we work together, we would like to get to know you and we would like you to get to know us. We want you to be sure you are the right fit for us and that we are the perfect fit for you. This will allow you to be completely comfortable sharing intimate and difficult details of your case, so we can offer you representation to the fullest extent of the law. Call us today to set up a free consultation.