About Us

About Us

Consumer debt reached the $14 trillion dollar make by the end of 2019, increasing over 15% in just five years. The largest category of debt is made up of mortgages and home equity loans followed by student loans, auto loans and credit cards. With consumer debt at these levels and rising every year it is not a surprise that many people are falling behind on payments.

 

Hallock & Associates, LLC concentrates our efforts on debt management solutions so if you are overwhelmed by your debt we can help.

What Debt Management Solution should you use?

 

Just as there are many life pressures that lead to debt management problems there are many solutions to your debt crisis. How to choose between them depends on many factors and the wrong choice could make things worse. When your financial footing begins to slip and the additional pressures from creditors add to your stress, researching and learning complex new financial and legal information seems an impossible mountain to climb. Our experienced team at Hallock & Associates, LLC can help you get on your feet again and guide you to the best solution for your situation.

 

Debt Negotiation

 

Ignoring your financial situation is never the right option but bankruptcy is not always the way to proceed. Debt Negotiation is a middle ground that can be a great option for you and your creditors. Taking you to court is expensive and bankruptcy could mean a full loss of the debt for creditors. Our experienced lawyers will negotiate on your behalf and may be able to settle your debt for only a small part of the original amount allowing for your debt to then be settled.

 

Bankruptcy

 

Generally, to receive relief from debt an individual declares one of two types of bankruptcy which can allow for the discharge or restructuring of the outstanding money owed.

 

 

Call Hallock & Associates, LLC today to discuss your options and how we can help you manage your debt crisis. Schedule your free no-obligation consultation now.