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Credit Card Debt Lawyer in Memphis TN

If you are trapped in credit card debt, facing nonstop collection calls, or worried about wage garnishment, you need an experienced credit card debt attorney in Memphis who can protect you and give you real options. At Arthur Ray Law Offices, we help Memphis residents reduce debt, stop harassment, and regain control of their finances.

Whether you owe $10,000, $25,000, or more, the law gives you rights. You do not have to fight credit card companies alone.

Call now for a free consultation: 901-475-8200

Why You Need a Lawyer for Credit Card Debt

Credit card companies use aggressive tactics:

• High interest rates
  • Late fees
  • Lawsuits
  • Wage garnishment
  • Bank account levies
  • Constant phone calls

A skilled attorney for credit card debt helps you:

• Stop all collection calls immediately
  • Prevent or stop wage garnishment
  • Reduce or restructure credit card balances
  • Protect your bank account
  • Create a realistic path to becoming debt-free

With the right debt relief strategy, many Memphis clients reduce debt by up to 70 to 90 percent through legal programs.

How a Credit Card Debt Attorney Helps You in Memphis

Arthur Ray Law Offices provides legal solutions tailored to Tennessee residents:

1. Stop Lawsuits and Collection Calls

Once you hire us, collectors must stop contacting you. This gives you peace of mind and legal protection.

2. Prevent Wage Garnishment

If your wages are at risk, our firm acts immediately to stop garnishment orders from being approved or enforced.

3. Reduce Your Total Debt

Depending on your situation, we may reduce credit card balances to a small portion of what you owe.

Example:
A Memphis client owing $25,000 in unsecured credit card debt now only pays $2,500 through a structured plan.

4. Protect Your Home, Vehicle, and Income

Tennessee law provides strong protections. With the right filing, you can keep your home, car, and paycheck.

5. Build a Long-Term Financial Recovery Plan

Our team guides you step-by-step, ensuring you rebuild credit and avoid future debt traps.

Why Memphis Residents Choose Arthur Ray Law Offices

• 30+ years serving Memphis and Shelby County
  • Thousands of local clients helped
  • Transparent fees, no surprises
  • Fast same-day appointments
  • Deep knowledge of Tennessee credit laws
  • Convenient office at 6244 Poplar Ave, Memphis TN

Your situation is confidential. Your rights are strong. Your solution can start today.

Signs You Need a Credit Card Debt Lawyer

You should speak to an attorney if:

• You are only paying minimum payments
  • Interest keeps increasing
  • You are behind by 30+ days
  • You received a lawsuit or garnishment letter
  • Collectors call you nonstop
  • Your debt is affecting your health, sleep, or family life

If any of these apply, call now: 901-475-8200

Frequently Asked Questions

1. Can a lawyer negotiate credit card debt?

Yes. We negotiate directly with credit card companies, collectors, and attorneys to reduce the total amount you owe.

2. Can a credit card debt attorney stop a lawsuit?

In most cases, yes. Even if a lawsuit has started, you still have strong legal defenses.

3. Can I get rid of credit card debt in Tennessee?

Yes. Tennessee residents have several powerful legal options for reducing or eliminating unsecured credit card debt.

4. How fast can my attorney stop creditor calls?

Immediately after hiring us. Collectors must stop contacting you.

Get Help From a Credit Card Debt Attorney Near You

You searched for “credit card debt attorney near me” because you need real help now. Our Memphis office is ready to fight for you and guide you to financial relief.

^*For those who qualify under federal law.