As we struggle through this pandemic, many of us have gotten a break. Foreclosures have been delayed, evictions have been delayed, lawsuits have been delayed, and credit card companies have offered to let you skip your payment. Unfortunately all that does is buy you a little time. Interest is still being added and someday whether it is next month or in 2, 3 or 4 months, you will have to pay. Can you afford to pay off 4 months just as you get back to normal?
So now we get to the question: If you are struggling with paying your bills why you should meet with a bankruptcy lawyer even if you don’t want to file for bankruptcy. As a bankruptcy lawyer my job is more than filing bankruptcy petitions. A bankruptcy lawyer can
!. negotiate credit card debt so you don’t have to deal with those never ending phone calls and give you a better start at saving for the future.
2. increase your chances of being accepted for a mortgage modification to avoid losing your home and having to take your kids out of school because you have to move.
3. defend your lawsuits and settle your debts at a reduced rate or even dismiss them so you don’t have to deal with the court alone.
4. obtain an installment plan or a compromise on your taxes so you don’t have to be afraid to talk to the IRS or open your mail again.
5.help renegotiate your student loans and even sue those lenders who engaged in predatory lending for you.
But the important thing to remember is the longer you wait, the less options you have. Unfortunately, coming to a lawyer when you are facing that sheriff sale or a judgment has already been entered against you may leave with the only option of filing for bankruptcy.
Don’t be afraid. Don’t let the stress cause you to bury your head in the sand. We are here to help. Your consultation to discuss your options is always free.
We level the playing field for consumers against the big banks, the credit card companies and the IRS. Contact us now.