My name is Danielle Diaz. One of the things I've learned in life, both inside and outside the courtroom, is that it is important to not see others as your enemy. Even though you may see the prosecutor as your enemy, he or she is just trying to do a job. It may be possible that you can get a prosecutor or the judge to be sympathetic and get him or her on your side. In order to accomplish this, you need to understand the law. I feel that most individuals do not understand the law, which is why I was motivated to create this blog.
A bankruptcy attorney can help you deal with crippling or large amounts of debt by offering you a wide range of services that are meant to alleviate that burden. Listed below are two very important reasons to hire a bankruptcy lawyer.
Provide Multiple Options
One of the biggest reasons to hire a bankruptcy lawyer is because he or she can provide you with quite a few different options for dealing with your debt. For example, a bankruptcy lawyer can offer to help you complete a consumer proposal.
A consumer proposal is an alternative to a bankruptcy where you and your attorney will attempt to negotiate with your creditors in order to improve your repayment terms, lower monthly payments, or have a portion of your debt forgiven. Many companies will at least consider a consumer proposal as it is better for them because they will at least get some of their money rather than get nothing if you file for bankruptcy.
When it comes to bankruptcy filings, a bankruptcy lawyer will usually offer two different forms of bankruptcy, a chapter 7 and 13. A chapter 7 is ideal for the unemployed or those who simply want a fresh start as it will eliminate most types of debt, although you will often have to surrender some property and savings.
A chapter 13 forces you
Deals With Debt Collectors
Another reason to hire a bankruptcy lawyer is that he or she will act as a buffer between you and your debt collectors. This is very useful if you have been the subject of aggressive debt collection agencies or if you are simply tired of the constant phone calls and letters concerning debts that you are not capable of paying at this time.
When your attorney submits a bankruptcy filing, the court will notify every debt collector that you are dealing with to cease any collection activity and contact with you. These companies and individuals have to speak to the bankruptcy court or your attorney. Should any of the debt collectors continue contacting you, you can simply notify your attorney and he or she will get them to stop.
Speak to a bankruptcy lawyer today to discuss your debt resolution options. A bankruptcy lawyer can help make dealing with and getting out of debt much easier and less stressful for you. To learn more, contact someone like Law Office of Michael Alfano.