I Want To Help You Resolve Your Debt Issues
In these uncertain economic times, mortgage foreclosures, car repossessions and credit card lawsuits are on the rise. Hardworking, honest people are inundated with calls from debt-collecting agencies. Car mechanics, teachers, restaurant workers and investment bankers are laid off. Senior citizens retire only to discover that their income is half of what it was just a few short years ago.
These are real-world problems. Most people struggle to resolve them, to pay their bills on time and to keep their assets. Sometimes, though, no matter how hard you try, it just cannot be done. You need help, solutions and results. But often debt consolidation organizations offer answers that do more harm than help.
In times of great stress, I am here to help you make a fresh financial start and get back to living your life. Call a Pennsylvania divorce and bankruptcy lawyer at 412-567-6143 or you can send an email.
There are ways to resolve financial problems. It may be a simple way out, such as better budgeting or negotiating with a creditor and creating a reasonable payment plan. If a lawsuit has been filed, it may mean litigation about that particular debt. Or, a mortgage modification may be the solution that will work for you.
When Your Best Efforts Just Won’t Pay The Bills
You may not think you want to declare bankruptcy. It is usually a last resort after you have tried your best to make ends meet. But sometimes, even though you make your best effort to pay your bills, you just can’t afford that next mortgage payment or the next installment on the loan. This usually happens through no fault of your own:
- If your overtime or work hours are cut
- If you are laid off or let go from your job
- If you have separated from your spouse or partner
- If you have just retired
- If your adult children have returned back to your home
If any of these or any other financially harmful circumstances apply to you, then your financial picture has changed and there are more bills but less money to go around. No matter how hard you try, you may not be able to keep up with the payments. You are often forced to deal with harassing phone calls from creditors or other collection actions.
Bankruptcy isn’t a cookie-cutter solution to debt problems. You and I will review your finances and analyze your budget. If you’ve been sued by a credit card company, we may be able to defend the lawsuit and eliminate the debt. If a mortgage foreclosure is on the horizon, we may be able to modify or refinance the loan. Maybe a budget review will uncover a simple way to tighten your belt, and that’s all you need to make it through these tough times. Together, we will find the solution that works best for you.
And if that solution is bankruptcy,* I will make sure that you understand the entire process, from start to finish. I will be with you every step of the way to provide the effective and complete legal representation you need to make sure that your bankruptcy, whether a Chapter 7 liquidation or a Chapter 13 partial repayment, goes smoothly and successfully.
Is Bankruptcy The Answer?
When debt issues are so widespread and cannot be fixed by other approaches, filing for bankruptcy protection can provide you with relief. Chapter 13 is a partial debt repayment plan that lasts from three to five years. The repayment plan is based on what you can afford to pay, not on what the creditors demand.
If repayment is just not possible, then you may qualify for a Chapter 7 bankruptcy. In many cases, Chapter 7 bankruptcy erases unsecured debt and often gives you the option to keep your house and car simply by continuing to pay your mortgage and car loan.
I am an attorney who has helped people find solutions to their legal problems for more than 30 years. I understand the tremendous strain that debt can place on your marriage, family, professional network, and physical and emotional well-being. I can help you understand your options, see things from a different perspective and chart a path back to financial solvency.
You Can Solve Financial Disputes In Bankruptcy Court Or Before
An alternative to filing lawsuits to resolve financial issues may be to engage in mediation. I am certified to act as a mediator to guide parties toward reasonable solutions to these complex disputes. In many situations, family law problems are entwined with financial difficulties.
Disputes in bankruptcy proceedings can evolve into contested matters or adversarial proceedings. These disagreements can be costly to litigate before a bankruptcy judge. The United States Bankruptcy Court for the Western District of Pennsylvania embraces the concept of using mediation as an alternative to litigation. I serve as a mediator in bankruptcy matters to guide parties toward reasonable solutions to these complex disputes.
My background and experience are well-suited to guiding parties toward sensible solutions through mediation. A mediator acts as a third-party neutral and does not unilaterally resolve disputes. The parties are encouraged to reach their own solutions in this voluntary form of alternative dispute resolution.
Call For Help Today
I am here to offer you guidance, advocacy and creative solutions. I know I am dealing with people’s money and lives. I promise to make every effort to find the right solution for your specific needs. Please call 412-567-6143 to reach either my downtown Pittsburgh or Mon Valley (near Century III Mall) office. You can also reach me through email.
*I practice law primarily in the areas of domestic relations and consumer debt. My law office is designated as a debt relief agency that helps people file for relief under the Bankruptcy Code.