Personal or Business Bankruptcy
Financial problems result from a multitude of situations many of which you have no control over. Losing your job, unexpected medical bills, slow economy, or some other unforeseen financial downturn can snowball into a serious crisis.
The bankruptcy laws were designed to give honest hard working but unfortunate people the chance to get out from under the crushing weight of excessive debt and get a fresh start. A clean slate if you will. The ultimate goal in bankruptcy is to promote capitalism in a free society.
Chapter 7 Liquidation
If you have little or no income and most of your debt is unsecured debt such as , medical bills, court judgments etc. then you can probably qualify for a chapter 7. In a chapter 7 you eliminate your debts and get a fresh start.
Chapter 13 Reorganization
If you have sufficient income and want to keep valuable property you can reorganize your debts to get them under control and manageable.
If You are in financial distress give me a call for a free consultation. There is absolutely no obligation. Call me now. (334) 269-9700 or 462-3486.
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CREDIT CARD DEBT
If most of your debt is credit card debt chances you don't need to file bankruptcy. For less than the cost of bankruptcy I may be able get rid of your credit debt without bankruptcy and save your credit at the same time. This is NOT one of those debt management deals you hear about on the radio/TV.
Contrary to what you might think these so called debt relief companies do not have any special power or arrangement with the credit card companies to reduce your balance. Think about. If the credit card companies won't negotiate with you they are not going to negotiate with these debt relief companies.
Don't fall victim to their scams. The only way to get real and complete relief is in court..
With me I'll sit down with you and map out strategy to get out from under your credit card debt. I may be able to get rid of your credit card debt for good without filing bankruptcy and save your credit.
Give me a call for free consultation. 334 269-9700. Also check below for more info about these so called debt management companies and the scams they run.
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