If you are experiencing debt issues, then bankruptcy is just one of many options. When you connect to one of our experienced attorneys, they can analyze your situation and find the best possible option. Whether you want to save your property or restore your credit, our experienced bankruptcy attorney will work with you to meet your goals. While bankruptcy can be extremely beneficial for your situation, there are many other options that our experienced attorneys can first pursue.

DEBT NEGOTIATION

Try working with your creditors and debt collectors to find out if they can make your debt repayment more manageable. They may be able to lower your monthly payments or put a hold on your debts so that you can get back on your feet. You may be able to convince them to settle for a lower amount if you repay them all at once, called a lump sum. An experienced bankruptcy lawyer can help you negotiate with your creditors, as there are a number of effective strategies for dealing with credit companies.

DEBT COUNSELING

If your negotiation with your creditor fails, you may seek assistance from a debt counseling agency. These agencies can help you create a repayment plan.

TAKE NO ACTION

In some cases, the best approach to solving debt problems is to do nothing. If you are your family, have little income and are living simply, then the court may consider you to be judgment proof or collection proof. This means that creditors that decide to sue you will not be able to take anything! The government provides that you will not be deprived of your basic needs and in seven years, your bad credit will be obsolete.