Constantino Law Office - West Jordan, UT

We were in big trouble with our credit cards. We used them to finish a big business construction project (100K worth). And then.... The credit companies kept raising our rates until they hit the max Utah would allow. And we had never missed a payment or not paid at least the minimum required. The end result, none of the credit companies would work with us because we had been so good at making our payments. In fact, a couple of them said they would not work with us until we showed a need to - meaning, miss a couple payments. I would say, 'Fine, I'm letting you know that I won't be paying'. Don't do that! You'll ruin your credit scores! Like that wasn't already happening. The minimum payment due did not even cover the accruing interest. I bet we had paid over three times what we ever borrowed on the cards. So, I called the office of Constantino and they immediately went to work. It was a torturous couple years. We couldn't answer our phones and we couldn't muster up the courage to even open our mail for days. I have no idea how low our credit score dropped. I never even looked. We did pay our mortgage and utilities and survived okay. In all, I believe it took us three years. In the end, we never filed bankruptcy and we settled our debts without the penalties usually associated with bankruptcy. In just a few years after this major and stressful ordeal, our credit scores began to be respectable again. We are currently bouncing between 750 and 825 due to the many hard hits I take investing in real estate. We pay our cards off every month. Life is so much better now. I can't begin to tell you how grateful I am for the work this law office did for us.