A bankruptcy filing is not always the result of financial irresponsibility. There is nothing to be ashamed of in making this difficult, yet important decision. A Chapter 7 or Chapter 13 filing should only be considered after all other options have been exhausted. Do not avoid the process if it is the only way to get out from under burdensome financial problems.
At Gribble, Carpenter & Associates, PLLC we provide personalized advocacy in identifying your specific and unique needs. We educate you on what to expect from the bankruptcy process to help you make a sound decision.
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There are options to Chapter 7 or Chapter 13 bankruptcy, but few will provide you the legal protection you need. Many times, borrowing money from a family member or friend only delays the inevitable. It also makes that person in your life an unlikely creditor should you pursue bankruptcy following that loan. Companies make claims that they can renegotiate your credit card debt. However, the devil is in the details if you read the fine print in their contracts.
At Gribble, Carpenter and Associates, PLLC, we believe that you should not take the decision-making process lightly. However, if your telephone is constantly ringing with creditors on the line, your home is facing foreclosure, and your car could be repossessed at any time, you need debt relief quickly.
For more information or to schedule an appointment with an experienced lawyer regarding the decision to file Chapter 7, Chapter 13 or Chapter 11 bankruptcy, please contact us.