Alternatives to Bankruptcy
Alpharetta Bankruptcy Lawyer Helps You Get Back On Track
Many good people have gotten themselves into serious financial difficulty and need help resolving debt related matters. If you are considering filing for bankruptcy because your debts are out of control, there may be some other viable options to consider. The Law Offices of Daniel W. Mitnick & Associates, P.C. can help you decide which option is best for you. Here are some of the other benefits of working with our firm:
- We have more than 25 years of combined experience
- We are 100% focused on you.
- We will do everything we can to thoroughly examine your specific situation and develop a personalized strategy that allows you to keep as much of your property as possible.
You can rely on an experienced Alpharetta bankruptcy attorney with our firm to navigate you through the process with compassionate guidance, and educate you on the options that are available.
Debt Relief Options
If you are being subjected to creditor harassment, federal and state law offers protection from abusive conduct by creditors and collection agencies. Negotiating with your creditors may be an option, if you have assets to sell or income with which to repay debts on a restructured payment plan. A credit counseling agency can create a debt management program in which you repay your debts over a longer period of time, much like a Chapter 13 bankruptcy, with the advantage that no bankruptcy will appear on your credit record.
In some cases, the agency can negotiate to have your debt reduced. However, some companies offering credit counseling or debt management programs are simply scam operations, and it is important to be careful who you choose for this service. A trusted Alpharetta lawyer with our firm can help you avoid the scammers.
Sometimes, believe it or not, doing nothing may be your best option. If you are living simply, have little income and no property in your name, you may be what is called “judgment proof.” In that case, you can continue living within your means and allow whatever debt you have to be written off by your creditors. They will have no other option, as there is nothing for them to take.
Get a Free Case Evaluation
We have helped countless clients restructure their debt and emerge from beneath the weight of crushing debt problems, sometimes without filing bankruptcy. Call us today for a consultation, and our bankruptcy attorneys will help you decide which debt relief option is best for you.