As we find ourselves in the midst of the COVID-19 pandemic, many people are overwhelmed by the uncertainty of life, including how they will survive afterwards and regain normalcy in their lives. This is especially true for those that have been laid off or temporarily unemployed as a result of the mandatory closures of many “non-essential” businesses. Many will suffer financial hardship as a result and will likely face overwhelming debt. So, how can you protect yourself during these uncertain times?
While the government is promising some relief for families through the Families First Coronovirus Response Act (https://www.congress.gov/bill/116th-congress/house-bill/6201), and some creditors are offering short term deferments, you should also look for resources and information that are available on-line. Since it is imperative that you protect your assets and all “essential” services first, make sure to focus on paying those creditors or make payment arrangements. Some creditors are offering payment deferment programs and many lenders have posted help-lines on their websites for customers to call. If you can’t find anything on-line, pick up the phone and call to see what payment options are available. Focus on paying what is necessary and essential; non-essential debts like credit cards can wait since the debts are not secured by an asset that can be repossessed. But be warned that credit card creditors may hold off collection efforts for a short time during the pandemic and a few months after, but don’t assume that they will forgive late payments or penalties once the immediate crisis passes.
That being said, when the crisis subsides and the dust settles (and it will), you may find yourself in unexpected heavy debt. You will not be alone. There are several options to manage your debt, including debt consolidation, refinancing, qualifying for lower rates, and debt management programs. But if all options fail, you may have to turn to debt relief in the form of filing bankruptcy. At Dodge & Vega, PLC, we have been working with and have counseled many individuals and families about financial problems and whether bankruptcy is right for them.
If you are struggling financially and want to know about all of your debt relief options, then contact our office to schedule a free consultation with our firm and know your rights. 480-656-8333.
Kaci Brown, Dodge & Vega PLC
Dodge & Vega PLC founded by Ben Dodge, attorney at law. Ben owns and manages a law firm of Affordable Arizona Bankruptcy, Family Law, and Personal Injury Lawyers. He is a nationally certified trial attorney, entrepreneur, endurance Athlete, and extreme Ultra Cyclist.
A consultation with experienced Arizona Divorce Attorney Ben Dodge is free
Understanding your rights and what you are entitled too, Ben Dodge is known as a serious litigator. There are two types of attorneys, those that sit behind a desk and push paper and those who actually hit the court room in the real world and get things done. Ben is a litigator who thrives in the court room. He once said: “It is one thing to tell your clients you are a good lawyer, it is an entirely different thing to be willing to prove it to them while they watch you do your work in front of them, in front of a jury watching your every move, in front of a judge, and your peers who are lawyers on the other side if your case. I love the opportunity to go to court and put my money where my mouth is.
In my experience most lawyers are either afraid of the court room or not good at it and belong behind a desk or both.” -Ben Dodge Ben is one a very few lawyers trained in advance litigation skills through the National Institute of Trial Attorneys (NITA) and has earned the designation as a NITA Advocate.
The negotiation tactics and strategies of winning a case are extremely important, but should always take a back row seat to the litigation experience and knowledge of court room rules, local, state, and federal rules of civil procedure that can have significant impact on your case. It is wise to be represented by someone well versed in the law, civil procedures, local and state ordinances, rules, regulations, policies, and even the court room politics that always play out.
Ben Dodge always offers a complimentary in person consultation to all clients. For those who live out of state or are otherwise busy with work, etc. Ben will do a complimentary phone consultation as well. Typically the consultations are scheduled from 30-60 minutes depending on the severity of the case. You can expect to get answers to questions, clarity, information, and reassurance of your personal, family, or business issues. In your free consultation you can generally expect to discuss such topics as:
- What your legal issue is really about.
- Whether or not you have any chance of winning and how to make that possible.
- Our unique and incredible fee structure making Dodge & Vega lawyers affordable for almost any budget.
- Your specific case details, any pictures, police reports, or any other evidence you provide for his review.
- The applicable local, state, and federal laws underlying your case.
- Your rights, obligations, and any potential liability.
- The process, procedure (in and out of court), and the time frame required to conclude your case.
You can call Arizona Lawyer Ben Dodge of Dodge & Vega, PLC at 1.480.656.8333. Mr. Dodge’s staff is standing and ready to accept your call 24 hours a day, 7 days a week, every single day of the year. Someone from our office will personally return your call within 24 hours to schedule an appointment with Mr. Dodge or one o his associate attorneys. There is never an obligation past a complimentary consultation with Mr. Dodge. His passion is in relentless representation and his entire office stands ready to serve with kindness, compassion, and patience. We strive to make a legal experience with our firm one of the most outstanding customer service experiences you will ever have and to do so without you having to go broke! Lawyers can be incredible and affordable. Let us show you how.
Dodge & Vega, PLC
Call Ben Dodge, your incredible Arizona Lawyer today at 1.480.656.8333.
Mr. Dodge can also be reached by email at [email protected]
His main Arizona offices are located at:
Mesa Arizona (home base office)
7227 E. Baseline Rd. STE 109,
Mesa, Arizona 85209
Phoenix Arizona office
2415 e. Camelback Rd., suite 700
Phoenix, Arizona 85016
Tucson Arizona office
One South Church Avenue, 12th Floor
Tucson, Arizona 85701