Law Office of James L. Keenan

Help when you need it

Personal service since 1995

James Keenan Law

Contact me for a free consultation!

PH 916.448.6923

TXT 916.715.6145

EMAIL James now!

Contact me for a free consultation!

PH (916) 448-6923

TXT (916) 715-6145

EMAIL James now!

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Sacramento Bankruptcy & Debt Relief Attorney

Get news, tips and information about bankruptcy filing and debt relief/elimination in Sacramento

Debt Resolution

Did you make a resolution to begin this year? Do you have debt? Perhaps you should make a debt resolution. If you owe more debt than you can afford to repay, make 2018 a year you do something about it!

There is a lot of new consumer debt, as this NBC news story reflects. More so now, if not soon, than before the Gre

at Recession. Consumer debt, particularly credit card debt, can be crippling. A debt resolution to do something about this is a good idea. But what?

Paying your debt is a great debt resolution, a simple one indeed. But few can afford to do that. That's why people are in debt. They can't afford to get out. Owing more than you can afford to repay is a common consumer issue. Even if you cannot repay your debt, there are other options.

Debt Resolution

Consumers often look to debt consolidation as a debt resolution. But it is rarely that. Typically there are hidden fees and costs associated with debt consolidation. And commonly debt consolidators are associated with or owned by credits card companies. Sometimes "consolidating" your debt winds up channelling more money to some creditors at the expense of others. All of which has your credit.

Bankruptcy is generally a better debt resolution option. Bankruptcy is a negative on your credit. But so is your debt. If you debt is deep enough, bankruptcy may actually benefit your credit. Weighing whether it is better to have debt without bankruptcy, versus filing for bankruptcy and eliminating your debt is the question.

If you have debt, especially if it is more than you can afford, I invite you to contact me for a free consultation to evaluate your debt resolution options. Maybe bankruptcy is the best bet to get rid of your debt. Maybe it's not. But until you contact me, you won't know what's right for you! 

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Mounting Consumer Debt
Bankruptcy Protection

Law Offices of James L. Keenan

2600 H St. Sacramento, CA 95816

Phone: 916-448-6923

Fax: 916-442-6524


Office Hours: Mon – Fri 8 a.m. – 5:30 p.m.

Evening Appointments Available

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Disclaimer: The legal information presented at this site should not be construed to be formal legal advice, nor the formation of a lawyer or attorney client relationship. Any results set forth herein are based upon the facts of that particular case and do not represent a promise or guarantee. Please contact James Keenan personally for a consultation on your particular matter. This web site is not intended to solicit clients for matters outside of the state of California.