If you’re over your head in bills, you’re facing a difficult choice: remain a slave to your debt forever, or find a better way.
You could continue to live the nightmare of toxic debts, hounded by bill collectors who threaten you day and night.
The looming threats of lawsuits and garnishments lurk around every corner, keeping you filled with terror.
Thankfully, the bankruptcy laws exist to help you conquer your debts and emerge victorious.
Find Out If Bankruptcy Is Right For You
Everyone’s got a different situation, and bankruptcy isn’t always the right decision.
And even if bankruptcy is the best solution for you, there are different types of bankruptcy cases depending on your goals.
But you’ll never know unless you pick up the phone and talk with an experienced bankruptcy lawyer. Someone who’s got the experience and knowledge you need to get you through your bill problems.
Bankruptcy Can Improve Your Credit Score
A good credit score is important. Without good credit we’re less likely to get a new car loan or mortgage, we may pay more for car insurance, and job prospects are severely limited.
If you’re deep in debt, your credit score is probably very low. After all, one of the most important factors in credit scoring involves the percent of your available credit that you’re using. And if you’re past due on any of your debts … well, that just makes things worse.
You want to pay off your debts so you can improve your credit score. But did you know filing bankruptcy will improve your credit faster than paying off the debt?
The Federal Reserve Bank of New York looked at two groups of people – those who filed for bankruptcy, and those who worked to pay off their debts – and found that people who go bankrupt experience a sharper boost in their credit score after bankruptcy than people who do not go bankrupt.
How Bankruptcy Lets You Take Control
Catch up on past due mortgage and car payments
Force student loans into a payment plan that works for you – not them
Stop collection calls at home and at work
Halt lawsuits and judgments in their tracks
Wipe out credit cards, medical debts and personal loans
Pay some personal tax debts over time without further interest or penalties, and wipe out others entirely
Protect your belongings and keep what’s yours
Start saving for the future without worrying about old debts
About Our Attorneys
Jay Fleischman has been practicing bankruptcy law for 19 years.
He has lectured at the National Association of Consumer Bankruptcy Attorneys, National Association of Consumer Advocates, Central District of California Bankruptcy Attorneys Association, and the Los Angeles County Bar Association. Jay is also a former lecturer and graduate of both Max Gardner’s Bankruptcy Boot Camp and the Student Loan Law Workshop.
David B. Shaev has been a bankruptcy lawyer for over 35 years.
He’s been featured on New York Times, Wall Street Journal, CNN, MSNBC, WNBC Television and WCBS Television. David is a member of the National Association of Consumer Bankruptcy Attorneys, National Association of Consumer Advocates, New York State Bar Association and American Bar Association.
It’s Your Turn To Get The Help You Need
Take the first step in getting answers to your questions by setting up a no-obligation, confidential consultation with one of our lawyers. Together, you can work towards your goals of breaking free of the devastating pain of overdue bills.
You can also give us a call at 866-787-8078 during normal business hours.