CREDITOR MANAGEMENT
The phone rings and you cringe. Did your children hear? Is someone else going to answer? Should you pick up or simply let it go to voicemail? Are they going to call right back? There are few things worse than the anxiety and depression that comes along with knowing the phone is going to ring and it is going to be a creditor. You are tired of explaining your situation. You are tired of nasty responses. You are tired of hearing “pay your bills!” You would pay your bills if you could. You need help. We are here to help you.
First, we will stop the harassing phone calls. We will advise your creditors that you have an attorney and that going forward they must deal with your attorney.
Second, we will identify all of your creditors. It is important that we identify as many of your creditors as possible so that we may prepare a strategy that covers your entire financial landscape. The more information we have the better we can represent your needs.
Third, we will execute your plan. Once we have the information we will put your plan into motion and start you on the road to your financial future.
YOUR DEBT PROBLEMS WILL NOT GO AWAY
Does this sound familiar? You walk out to your mailbox and see a letter from a collector collecting on a credit card you had to stop paying. You don’t open the letter. You know what it says inside. “Pay now” “Lawsuit” “Bank levy”. So, you throw the letter in a pile or in the trash. You think “I’ll pay it as soon as …..?????” But there really isn’t an end to that sentence. You may have lost your job. Or you lost a loved one. Or you are recently divorced? Maybe you simply miscalculated your income and now you can’t pay your bills.
That pile of paper only gets bigger. Those letters in the garbage are hauled away, but the debt stays right there. And the problems get worse.
You could get sued. You could wind up sacrificing up to 10% of your paycheck a week! Or lose your bank account! And for what? For a credit card company?
To some, the most valuable of assets is peace of mind. You can have peace of mind, but it isn’t going to happen by itself.
Do not sit back and hope for the situation to correct itself. Correct the situation yourself. Our attorneys can help you.
BANKRUPTCY PLANNING
Our bankruptcy attorneys are here to help you plan for your financial future. While we specialize in bankruptcy law we are here to meet your goals. After evaluating your financial position we may determine that bankruptcy is not your best solution. Your representation does not end there.
Chances are you came to our office due to overwhelming debt. We are familiar with that situation, but your story is individual. We make no assumptions. We will sit with you, listen to you and learn your situation. Immediately we will advise your creditors that you have representation. We will stop the harassment.
Your attorney will devise a plan geared specifically to you. Whether this plan includes filing for bankruptcy will depend on the best possible solution to your problems. We are here to serve you. If that requires a bankruptcy filing you may be confident that your attorney beings more than 15 years experience with him.
HOW CAN BANKRUPTCY HELP ME?
Unfortunately, many people do not take action to protect themselves from creditors until there is an immediate danger. The fear of creditors and the anxiety associated with not being able to pay one’s bills often causes that person to ignore the problem rather than addressing it. As a result, an individual may find themselves on the very verge of losing their home to a foreclosure sale or losing their bank account proceeds to a judgment. You may even find yourself with a levy against your paycheck. Imagine working all week to find out that 10% of your income was taken by a creditor. This doesn’t have to be the case. We can help you. Stop Harassment.
One of the more effective provisions of bankruptcy law is the “automatic stay”. Simply, when an individual files for bankruptcy the law provides that all actions are stayed or “frozen”. For example, if you are notified that your paycheck is going to be garnished for a creditor and you file for bankruptcy that garnishment will be frozen. Now, that freeze does not last forever, but it gives us, your attorney, the time we need to assess the situation and provide a solution. The freeze allows the individual to work together with their attorney to plan and manage. In many cases the issue that required the bankruptcy filing is addressed and satisfied.