Bankruptcy is a useful and powerful tool which can help individuals and businesses to eliminate or reorganize debt. It can also stop lawsuits, creditor harassment, garnishment, foreclosure and repossessions. There are different types of bankruptcy available (Chapter 7, 11, 12 and 13) and it can be very complicated to go through. We are here to help you determine if bankruptcy is right for you and help you throughout the entire process from start to finish.
Short sale can be useful if you owe more on your property than what you can sell it for and your goal is to dispose of the property. However, it can be very difficult to get to closing. We can help you maneuver through the process and negotiate with your creditors so that you can sell the property with as little exposure as possible. We can also help you avoid any potential tax consequences from the cancellation of debt.
If you are in foreclosure, one possible option may be bankruptcy. However, there may be other options available to you, such as foreclosure mediation, foreclosure defense, short sale, deed-in-lieu of foreclosure and loan modification. We will discuss each and every option with you so that we can determine the best way to achieve your goal.
Debt settlement is an alternative to bankruptcy. We negotiate with your creditors to get you the best possible deal. In many cases you can settle your debts for pennies on the dollar.