As an attorney with more than twenty (20) years experience, people constantly ask my advice about how to get out of debt. They tell me that bill collectors are harassing them, their wages are being garnished, and that their house is in foreclosure. They want to pay their bills, stop the garnishments, and save their home, but they can't. Everyone wants money ... but there is not enough to go around.
There is hope, I tell them. It used to be that only the very rich could take advantage of the law and the courts to get their finances in order.
Now, however, everyone can use the courts to solve their debt problems. The law now permits honest, hardworking people to use these same laws to get out of debt legally, honorably, with dignity ... and without spending a lot of money in lawyers fees.
You, too, can enjoy the benefits of these court programs ...
- Get your bills under control and get a fresh start without money worries
- Save your home from foreclosure
- Stop wage garnishments
- End creditor harassment and lawsuits
- Get your tax problems under control
Immediate Relief - No More Sleepless Nights
These programs have helped thousands of people end money worries, and they can help you as well. When you enter into one of these programs, the court will immediately issue an order stopping the bill collectors from harassing you. No more threatening phone calls and letters, and the wage garnishments will stop.
Save Your Home From Foreclosure and Consolidate Your Bills
A Chapter 13 bankruptcy is a court sponsored debt consolidation program. It permits you to pay off your bills, back taxes, and student loans over a period of time without harassment from your bill collectors. While in this program, the court will protect you from wage garnishments, abusive phone calls, threatening letters, and law suits.
In many cases a Chapter 13 will stop foreclosure actions against your home. If you are behind in your house payments, or if a foreclosure action has been filed, Chapter 13 will enable you to bring your mortgage current while you continue to make regular monthly mortgage payment.
All of your creditors must go along with this program, including the Internal Revenue Service and the holder of the mortgage upon your home. To qualify, you must have a regular and steady income, whether from a job, Social Security, or a pension.
Get a Fresh Start in Life
There is another program available to help you get a fresh start in life free from the burden of your bills. In a Chapter 7 or "straight" bankruptcy, most or all of your bills are discharged or "wiped out". This includes, for example, most finance company and bank loans, credit card debts, utility bills, and medical bills.
Here, again, the court will protect you from the bills collectors. The annoying phone calls, the threatening letters, the wage garnishments ... all will stop.
Free Consultation
You do not have to put up with money worries and harassing creditors any longer. Consult with us to learn how to stop the bill collectors and get out of debt. There is no cost or obligation.
Help is immediately available. But this article is only one source of information, and is not the substitute for sound legal advice. If you live in Northeastern Ohio, I may be able to help. For a free, confidential consultation to find out the whole story about these programs and how they can help you, please call my office at (216) 696-7449 in the greater Cleveland, Ohio, area, or (800) 420-4746 elsewhere in Northeastern Ohio. There is no cost or obligation.