Will Creditors Stop Harassing Me?

Yes, they will!  By law, all actions against a debtor must stop once a bankruptcy case is filed.  Creditors cannot initiate or continue any lawsuits, wage garnishments or telephone calls to collect debts.    If you want some peace of mind from these actions, maybe bankruptcy is the answer for you.  Contact our office today for your free consultation, we have locations in Eastgate, Middletown and Fairfield to serve you.

Considering Bankruptcy

If you are considering bankruptcy you should contact our office today.  We offer a free consultation, accept monthly payments and have locations in Eastgate, Middletown and Fairfield to serve you.

Would Debt Consolidation Be Better?

Won't I get a better credit rating if I just go through a debt consolidation company?  No, you will not.  It will cost you less money and you will rebuild your credit rating faster if you file for Chapter 7 or Chapter 13.  Be cautious if you are considering using a credit counselor or debt consolidation company.  Also read about the problems of unscruplous companies in the credit counseling industry and the action the IRS has taken against "non-profit" credit counseling groups following widespread abuse.

If you are considering these options you should contact our office today for your free bankruptcy consultatin to discuss your individual situation.  We have office in Eastgate, Middletown and Fairfield to serve you.

Bankruptcy Laws Are Designed to Help

Job loss, divorce, a medical emergency or other catostrophic event can make it hard to keep on top of debt.  Millions of people have used US bankruptcy laws to get a fresh start. 

Every day people just like you decide to file for bankrutpcy.  With the economy, bankruptcy doesn't hold that old stigma it may have a decade ago.  Most of us are struggling with debt, and many of us have lost jobs due to the economy.  Bankruptcy has helped millions of Americans get out of debt.  It also stops creditor harassment through the bankruptcy automatic stay

If you're thinking about filing for bankrutpcy, you're probably wondering how it affects credit.  It's true that bankruptcy stays on your credit reports for up to 10 years, but once the slate is essentially clean after a succesful bankruptcy filing, people can instantly start re-builing their credit.  In fact, many people even gain stronger credit scores after filing and their old debt is gone and they can start a fresh start.  Think about it, your credit probably isn't that great to begin with.  Bankruptcy is designed to clear debt and give people a fresh start.

Call our office today for your free consultation to discuss your individual situation.  We have offices in Eastgate, Middletown and Fairfield to serve you.