It’s almost impossible to avoid some form of debt or the other as US resident. From credit card usage to home loans and mortgages, the average American owes upwards of $50,000 in their lifetime.
If left unchecked and unmanaged, this debt can quickly lead you to lose the assets that you’ve worked to accumulate, ruin your credit score, and experience various other negative effects.
Dozens of clients seek out help for managing and mitigating their debts—and here are some reasons why you should also get in touch with us for the same:
1. You might need court representation
When a creditor takes you to court in an attempt to sue you and seize assets within your possession, it's crucial to have adequate legal representation. A lawyer will know various statutes, know about legal precedents and can represent you during hearings. Often creditors win by default when borrowers fail to show up, respond to notices, or come without knowledge or preparation.
2. We can help you file for bankruptcy
As your legal counsel, we can guide and help you file for bankruptcy under the right chapter, and in the appropriate manner. With close examination of your credit reports and overall financial situation, the type of loan you have, and with other factors in mind, we can help you file for bankruptcy and debt relief.
3. You will need protection from lenders
Lenders and debt collectors can be relentless and tend to harass clients all the time. From phone calls at home and at workplaces, they may use other illegal tactics to not only badger you but also to sue you.
Even calling you outside the hours of 8 a.m. and 9 p.m. is illegal, and making repeated and/or threatening calls is another issue. It's important that you have legal consultation and backing to deal with debt collectors and identify when their methods are inappropriate, illegal, or threatening. We might be able to help you serve a written notice against contacting you or setting terms for communication.
4. We can help you find the right option
Filing for bankruptcy while a viable option isn't the only one. You may have other alternatives and choices including negotiations, reworking the terms of your loan, setting new rates and repayment plans, among others. We will go over all three major credit reports, evaluate your case on an individual basis and make recommendations based on that.
Get in touch with the Law Office of Brian Juran to file for bankruptcy and protect your hard-earned assets, and mental health against the pressure of debts. We’ve helped thousands of families across Kingston, NY in filing bankruptcy cases to secure debt relief.
Contact us to schedule a free phone or in-person consultation with one of most reliable debt reduction lawyer Kingston. You can rely on our bankruptcy attorney to represent your interests at all stages.