Our Firm can assist individuals with the protection of their rights under federal debt collection and credit reporting laws. We can also assist in repairing bad credit to enable you to buy a home or acquire other valuable assets. Finally, we can negotiate debts on your behalf of provide debtors who have acquired crippling debt to make a fresh start.
Federal law places considerable restrictions on when and how consumer debts can be collected by creditors. We can advise you about these laws and help protect your rights under them.
In today's economy, credit scoring and credit reporting have become increasingly important in determining when, how and whether you can acquire certain assets and even impacts your insurance rates. Knowing when and for what purposes lenders or creditors can access your credit information is important, and we can help you.
While credit reports are critically important to today's consumers, reports often contain errors, which can severely restrict a person's eligibility for credit. Let us help you pull and review your credit report and remove incorrect and damaging information on your report.
When unsecured debt overwhelms you or your business, a Chapter 7 filing may be unavoidable. We can advise you on the most appropriate timing for a filing and assist you with maximizing your applicable bankruptcy exemptions in order to protect as many of your assets in bankruptcy as possible. A bankruptcy filing does not have to mean a relinquishment of everything you own.
On the other hand, some clients will not qualify for a Chapter 7 bankruptcy filing. In these and other instances, we can advise you on your options under Chapter 13 of the Bankruptcy Code. Chapter 13 involves paying all or a portion of your debts over time throughout either a three-year or five-year period based upon the requirements of a payment plan. Plans can literally range from providing for payment of zero percent to one hundred percent of your unsecured creditors over time depending upon your particular circumstances.
Give us a call, and our attorneys can help explore whether Chapter 7 or 13 is a good option for you.
Most individuals who can afford to pay their debts would prefer to do so and avoid filing bankruptcy. We have succeeded in helping clients get out from under heavy debt loads and steer clear of bankruptcy by negotiating with creditors to help stop collection efforts, reduce debt balances and negotiate better payment terms.
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