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If you are in trouble with debt, you need to seek relief. There are various options that could bring your debts under control, including filing for Chapter 7 or Chapter 13, but these are not the only alternatives. Our debt relief attorney, Joseph P. Doyle, assists our clients to determine the best solution for financial difficulties.
We can provide assistance regarding:
Bankruptcy definitely is the most permanent solution, but some people may not choose this solution, or are not eligible as they have filed too recently in the past to qualify. Under these circumstances, there are alternatives that could allow you to get your debt under control and your life back on track.
Debt Negotiation & Debt Consolidation
One of the most effective ways to get debt problems under control is to have a Chicago debt collection attorney take over the process. Once you have a lawyer working for you to negotiate with your creditors, these creditors no longer have the right to contact you.
A debt negotiation can take place with your creditors, and a reasonable payment plan worked out. As many collection agencies have actually purchased the debt for just pennies on the dollar, a reasonable payment arrangement can be arranged with assistance from our professional debt relief and Chicago bankruptcy team.
We know how the process works, and as your debt lawyer, we can help you by taking on the creditors for you. In some cases, we discover that the collector does not have the correct paperwork or documentation and actually has no right to seek payment.
If your consumer rights have been violated, we could take legal action against that creditor, and they may be forced to pay you damages, as well as your legal fees. We would like to review your mortgage documents to help you determine if you have been a victim of illegal actions from your lender.
Find Out What Can Be Done for You
Debt consolidation is another option that could be beneficial, but may require taking out a loan to pay it off, and negotiating down the amount of the debt.
We can discuss all these debt relief options with you. It is almost certain that you can gain the most relief by filing for bankruptcy, as your debt can be discharged. This would mean you would no longer owe the debt, or have to deal with it again.
Many unsecured consumer debts are eligible for discharge:
- Medical bills
- Utility bills
- Credit card bills
- Personal loans
- Other similar debts
Essentially, if the debt was not secured by collateral, it can usually be discharged. There are certain exceptions, and we should discuss your debt collection problem in person and provide defense if necessary.