If you are struggling to pay your bills and creditors are harassing you, filing a bankruptcy case can provide you immediate relief from your debt. Bankruptcy laws prohibit creditors from harassing you, garnishing your wages, repossessing your vehicle or foreclosing on your home. Filing a Chapter 7 or Chapter 13 case could be the first step toward taking control of your finances and rebuilding your credit. At the Van Den Heuvel Law Office, we help you understand how bankruptcy can benefit you and we guide you through the process, step by step.
Deciding to file for bankruptcy protection is a big decision. Consulting with a business attorney is the first step you need to take. There is no formula for determining the right time to file your case, but the circumstances below are indications that a bankruptcy may be appropriate:
The process of debt negotiation involves negotiating with your creditors to reduce the amount of money you owe, extend your deadline for paying it or lower the applicable interest rate. If a creditor understands that forcing you to file bankruptcy results in them getting less than they would by agreeing to a settlement, they are more likely to reach an agreement with you.
Debt consolidation entails taking out one loan to pay off several smaller loans. The result is a lower or a fixed interest rate. Additionally, dealing with one loan is often easier than handling numerous loans. We can review your individual circumstances and help you determine which debt relief option is most beneficial to you.
It is important to discuss your options with a qualified debtor’s attorney to determine whether you should file:
At the Van Den Heuvel Law Office, we review your individual circumstances and help you determine which type of bankruptcy filing would be the most beneficial to you and your family. We also walk you through the bankruptcy process and ensure that you are fully prepared for how your filing impacts you now and in the future.
The legal team at the Van Den Heuvel Law Office works hard to help you get the debt relief you want. Contact us at 616-698-0000 or online to schedule your appointment. We are also available via Skype by appointment.
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