A Mableton bankruptcy lawyer can help you find debt relief!
Today’s economy has made debt and bankruptcy become more and more common. Greater numbers of people are finding it impossible to stay on top of their payments for their homes, cars and consumer credit and are becoming overwhelmed by debt as a result. Even others have lost their jobs or experienced a disaster of some kind, resulting in enormous amounts of debt. In any of these cases, bankruptcy may very well be the best decision an individual could make in order to find freedom from their financial stress.
Although it is possible to file for bankruptcy without legal representation, it is not the wisest decision. There are many details and important steps that cannot be overlooked during the bankruptcy process, which is why the counsel and guidance of an attorney is so crucial. As a Mableton bankruptcy attorney at Cherney Law Firm LLC, I aim to give each client my full care and attention and will stop at nothing until their case is complete. If you are in need of an experienced and capable Mableton bankruptcy attorney, contact my firm today for legal representation.
Before making any action toward bankruptcy, make sure you review any alternatives to bankruptcy to see if you could find debt relief in any other way. At Cherney Law LLC, a skilled lawyer could provide representation in debt negotiation, working with your creditor or lender to reduce the amount you owe. This way your monthly payments are more manageable and affordable. You could also seek to achieve a debt settlement, which lowers the amount you owe and allows you to repay it all in one payment, also known as a “lump sum.”
If these alternatives do not work for your situation, I can answer any bankruptcy questions you have and help you know the differences between Chapter 7 and Chapter 13 bankruptcy procedures. Before deciding on one of these methods, you must complete a means test in order to learn which of them you are eligible to pursue. This test subtracts your monthly living expenses from your income and determines your ability to afford monthly payments.
If your results are below average, you may be able to file for bankruptcy under Chapter 7, which allows you to discharge your debt under certain restrictions. If you have a high enough income, however, you could file under Chapter 13 and repay your default over the next few years before having the rest discharged. This is a common choice made by individuals facing foreclosure because it usually allows them to remain in their home.
Many people are hesitant to file for bankruptcy because of the idea that only bad people do so. This is a myth and, should you decide against bankruptcy because of it, you could miss out on the many benefits of bankruptcy. By filing under any bankruptcy chapter, creditor harassment must stop right away according to automatic stay laws.
Living your life after bankruptcy can be so much better due to the amount of relief and peace of mind you will be able to experience. Through the process of filing bankruptcy exemptions, you could be allowed to keep your car, your retirement fund, or even your home, which means that you will not lose everything after filing. Learn more today by calling Cherney Law Firm LLC for a free initial consultation.
Since 2005, I have represented more than 2,000 clients in bankruptcy cases in Mableton and the surrounding communities. By retaining my firm, you could receive the caring service and experienced representation of a skilled Mableton bankruptcy lawyer. Your initial consultation with my firm is absolutely free, so fill out the online evaluation or call my offices today to schedule a consultation.