Vero Beach Debt Management Attorney
Bankruptcy is the last resort for Florida residents who are simply unable to keep up with their mounting debts. Before considering bankruptcy, however, you should explore other options for regaining control of your credit situation. The qualified Vero Beach debt management attorneys at Markarian & Hayes can help. We provide financial distress counseling to individuals like you who are looking for some hope at the end of the debt tunnel. Our goal is to keep you out of bankruptcy by exploring a number of alternatives, including the following:
- Debt workouts and credit card settlements– Chapter 13 bankruptcy requires going to court and submitting a plan to repay your debts over a period of 3 to 5 years under the supervision of a trustee. But in many cases you can negotiate directly with your creditors–eliminating the bankruptcy middlemen, as it were–and restructure your debt through a workout or settlement. For example, your credit card company may agree to lower your monthly payment so you can catch up. Working with us can make this process go much more smoothly–especially since creditors understand that a debtor with an experienced attorney is likely to seek bankruptcy protection if no agreement is reached.
- Credit repair– Not all credit problems are the fault of the debtor. Credit reports often contain false and misleading statements. We can assist you with credit repair, or the process of correcting your credit reports by removing any incorrect items.
- Defending against collection actions– It’s one thing for creditors to send you repeated “past due” statements. If they actually want to engage in any collection activity they need to go to court and obtain a civil judgment against you first. We can defend you against such lawsuits. In many cases creditors–or collection agencies that purchase old debts–wait too long to bring a claim or have insufficient documentation. We can help make sure no creditor obtains a judgment outside of what the law allows.
- Financial distress consulting– If you run a business that is on the brink of insolvency, we can review your financial situation and help you develop a plan to reorganize and manage your debts.
Doing Nothing Will Not Get You Out of Debt–Call Us Today to Learn More About Your Options
When it comes to debt, the worst thing you can do is nothing. Simply ignoring your creditors will not make them go away. You need to be proactive and take charge of the situation before the debt simply overwhelms you.
For some debtors, bankruptcy may in fact be the only option. But a good debt management attorney will not simply push you into bankruptcy at the first sign of trouble. Instead, the Vero Beach debt management attorneys at Markarian & Hayes will work with you to implement systems that enable you to manage your debt.
Contact us today at 772-794-3379 to schedule a confidential consultation with a member of our team.