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If you are drowning in debt, the situation can become overwhelming.
This can lead to worry, stress, sleepless nights, and not knowing where to turn or what to do to remedy the situation. Many people put off tackling the problem out of embarrassment about their financial situation.
Yet this situation can arise for a number of reasons, from job loss to unpredicted medical expenses, an expensive divorce, and uneducated financial planning.
Getting help is critical if you wish to restore your peace of mind and build a better future. While the decision to file for bankruptcy should never be taken lightly, for some it may be the most viable and best solution when all other tactics have failed.
At Oakes Law Office, PC, our attorneys have concentrated a large portion of our practice on counseling and representing clients in bankruptcy options.
It is likely time to take action if your debt situation has become so dangerous that you are facing potential legal action from:
Bankruptcy may be the solution that keeps your losses to a minimum, eliminates consumer debt, and gives you a fresh start.
When you file for a Chapter 7 or a Chapter 13 bankruptcy, the court immediately issues an “automatic stay” that prohibits your creditors from making any further attempts to collect from you. This stops threatening phone calls, letters, texts, and potential lawsuits.
Depending on the circumstances of your situation, such as whether you are facing a potential foreclosure, wage garnishment, or other legal action, a bankruptcy filing may provide the following benefits:
Under these circumstances, you need to understand your options, how bankruptcy works, its pros and cons, and have your situation assessed to determine the best solution for you. It is important to remember that bankruptcy has been established by the state and federal government as a legally acceptable way to eliminate consumer debt for the honest debtor with the goal of obtaining a fresh start.
At Oakes Law Office, PC, we can educate and advise you on your debt relief options. Should a Chapter 7 or Chapter 13 filing be the most viable solution for you, we can represent you every step of the way throughout the process. Our firm’s goal is to put you back in financial control so that you can build a better future for yourself and your family.
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