At the Law Offices of David Brodman, we routinely put our 15 years of experience to work for our clients, meticulously assessing both bankruptcy and other alternatives as options in each unique scenario. No two cases are exactly alike, and that's why we'll be dedicated to providing you with personalized service based on an understanding of your particular needs and goals.
When you think about bankruptcy, what probably comes to mind is Chapter 7, when your non-exempt assets are liquidated to pay off as much of your debt as possible, and your remaining debts are forgiven. If, however, you don't pass the means test, and have the ability to pay off some, if not all, of your debts without liquidating your assets, then you may pursue Chapter 13 instead. This would essentially consist of making a plan lasting 3 to 5 years, under which you would make regular payments at specified rates to your creditors. This plan would essentially be a contract, and your compliance would be monitored.
In the midst of a financial crisis, debt relief may seem like a far-off goal. But it could be closer than you think. Once you secure our help, we will execute a plan tailored specifically to your circumstances in such a way as to provide the safest and easiest route to long-term financial stability. The sooner you act, the more options you may have available to you, so don't wait. Immediately upon being retained for your case, we can put an end to creditor harassment and delay any attempts to foreclose on your home. We know how stressful an ordeal this likely is for you, but you don't have to face it alone. Let us use our extensive knowledge of bankruptcy law to seek a positive outcome for you and your family. For a free case evaluation, go ahead and contact our office as soon as you can.