Filing with the Help of Our Modesto Bankruptcy Lawyer
Each year in the United States, hundreds of thousands of people file for bankruptcy. Since the economic downturn, the general public has been struggling to get back on their feet and retain the same standard of living that they were accustomed to before the recession. Unfortunately, for many people, this is simply not possible.
People are experiencing all of the following:
- Loss of jobs
- Wage decreases
- Housing market crash
- Credit Card Debt
- Collection Actions
In some cases, people go through all of these problems simultaneously. Some Americans have struggled to stay afloat with simple means and have been able to only afford food, gas, and groceries. The debt that was acquired during better times has now become an unmanageable burden.
Finding a Specific Solution to Your Unique Situation
Are you one of the hundreds of thousands struggling to pay back loans and creditors, or have you fallen behind on your mortgage? Are you being constantly contacted and harassed by creditors and collections agencies? Has your home come under threat of foreclosure? You are not alone! This time may seem daunting, and stress and emotions may run high, but there are thousands of people out there who are facing a similar crisis as you.
At Scott Mitchell Law Incorporated, we understand that you deserve the best representation and legal counsel to help guide you through this difficult time. When you work with our firm, you will be working with Modesto bankruptcy attorneys who understand your situation and will inform you about the best possible legal actions to take to help you achieve the outcome you need.
Helping You File in Modesto, CA
Bankruptcy — the word alone strikes fear and conjures images of destitution into the hearts of many, but this is not necessarily the truth. You may be facing a hard time, but filing for bankruptcy can actually help you. If you are eligible to file for bankruptcy, you will be able to stop the harassing calls and collection attempts, save your home from a foreclosure sale, and start your life on a track toward financial freedom. The many benefits of bankruptcy include:
- Foreclosure defense
- Relief from creditor harassment
- Clearing of most debts that you may have in non-secured loans
- Relief from credit card debt
- A chance to start fresh with your credit
Although bankruptcy can be beneficial to a lot of people, there are some who many not qualify to file or who would rather seek alternatives, such as debt counseling, rather than file for bankruptcy. In order to qualify for Chapter 7 bankruptcy, you must first take a means test. If you do not qualify to file under Chapter 7, you may be able to file for Chapter 13 bankruptcy.
If you have questions about your filing status or whether filing for bankruptcy is the right option for you, you are encouraged to contact Scott Mitchell Law Incorporated as soon as possible. Our dedicated staff will help you obtain the outcome that you deserve. Call today to speak with a Modesto bankruptcy lawyer and to schedule a free case evaluation.