Raleigh Bankruptcy Lawyer

If you are struggling to pay your bills, provide for your family, keep up with your mortgage payments and stay on top of your debt but see no light at the end of the tunnel, speak to a Raleigh bankruptcy attorney right away. Your stressful days and sleepless nights do not have to continue as there is hope. The Chetson Firm is dedicated to assisting individuals and families to climb out of the trap of overwhelming debt and offers a free consultation to help you get started.

Options for Resolving Your Debt

The team at the firm has helped many individuals like you to turn their lives around with the option best suited to their situation. An attorney will work with you to review your circumstances and priorities and determine the best path for you and can assist with the following:

Types of Bankruptcy There are various types of bankruptcy but the most commonly used for individuals are Chapter 7 and Chapter 13. An attorney at the firm can help to determine which most suits your specific circumstances, which can depend on your income, assets, the type and amount of debt you hold and more. Read about types of bankruptcy...

Bankruptcy Process The bankruptcy process contains much detailed paperwork and many precise steps and exacting requirements. With the help of an attorney at the firm, however, the process does not need to be at all overwhelming. The firm can take care of the paperwork and ensure each step is addressed skillfully and timely. Learn about the bankruptcy process...

Chapter 7 A Chapter 7 cancels out all qualifying debt, such as credit cards, personal loans, medical bills, repossession deficiencies, certain taxes and more. Debts that do not qualify include money obtained illegally, fines, alimony and support payments, student loans, most taxes and more. An attorney from the firm can help determine if you are eligible. Learn more about Chapter 7...

Chapter 13 A Chapter bankruptcy places you on a payment plan to help you pay down your debt over a period of, usually, 3 to 5 years. These payments are based on what you can afford to pay and after the pre-determined period in which payments are to be made, any remaining balance may be discharged. Learn about Chapter 13...

Alternatives to Bankruptcy There are many options for addressing debt and financial problems which do not include bankruptcy. Debt settlement, debt negotiation, debt consolidation, loan modification, short sales and deed s in lieu are just some of the tools available. An attorney from the firm can review your situation and help determine which the best approach is for you. Learn about alternatives to bankruptcy...

Bankruptcy Myths Unfortunately, myths about bankruptcy can prevent people from obtaining the help they need which would turn their lives around. An attorney from the firm can go over your questions and concerns about bankruptcy so that you have the correct data with which to make an informed decision. Read more about bankruptcy myths...

Debt Settlement One way of addressing debt which is out of control is to establish an agreement with the lending institution whereby you pay back a portion of the amount owing and the entire debt is considered discharged. Negotiations to achieve this must be addressed skillfully and an attorney at the firm can help. Learn about debt settlement...

Debt Negotiation One way of making your debt more manageable is to renegotiate the terms of the contract under which you are paying your debt. When addressed properly, this process may result in a reduced interest rate and reduced minimum payments, thus making your life a lot easier. Click here to read more about debt negotiation...

Collections Defense If you are being sued by a creditor, threatened with legal action or treated abusively, you need a knowledgeable attorney to step in and protect your rights. Addressing these situations skillfully can mean the difference between a resolution to the problem and dramatic legal and financial troubles. Read about collections defense...

Why hire a bankruptcy attorney? When you are considering bankruptcy or need some other decisive address of your financial situation, it is vital you have sound legal advice from the outset. This protects you from errors or choices which may leave you in an even worse position. An attorney can then effectively guide you through the exact steps you need to take to improve your situation. Click here if you are wondering, "why hire a bankruptcy attorney?"

Benefits of Bankruptcy There are many benefits of bankruptcy, some of which you will begin to experience immediately upon filing. Creditor attempts to collect from you must cease once you file and the relief this brings can be immense. Bankruptcy allows you to start afresh and puts you in a position take better care of yourself and your family. Read more about benefits of bankruptcy...

Life after Bankruptcy Life after bankruptcy is entirely different to the life that contains constant worry, creditor demands, fruitless labor and hopelessness. After bankruptcy, you are able to take control of your own finances and obtain the things you need, save money, provide for your family, start to improve your credit and more. Learn more about life after bankruptcy...

Creditor Harassment There are many actions which are specifically illegal for creditors and debt collectors to engage in when working to recover a debt. If you feel you are being harassed or treated disrespectfully or abusively, talk to an attorney at the firm right away. There are steps that can be taken to protect your rights and restore a calmer lifestyle. Read about creditor harassment...

Stop Abusive Debt Collectors When debt collectors engage in abusive practices while working to recover debts, they are breaking the law. Steps can be taken to stop them from treating you in such an unacceptable manner so don't wait to contact an attorney at the firm. Learn more about how to stop abusive debt collectors ...

Repossessions When you take out a secured loan, the contract usually contains a provision which allows the lender to repossess the asset for which you are borrowing if you fail to make payments. When you are threatened with this situation, you do have rights under the law but it is vital you act quickly. Learn about repossessions...

Wage Garnishment Wage garnishments can be implemented by the IRS or by any creditor which wins a judgment against you in court for an unpaid debt. If you have received notice that you are being sued or wage garnishments have already begun, contact the firm right away for help. Learn about wage garnishment...

Fair Debt Collection Practices Act The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in unfair and abusive treatment of debtors in the collection of a debt. Specific actions in the Act as illegal, such as calling the debtor before or after certain times, calls so frequently as to become a nuisance, making false claims, making threats and more. Learn about the Fair Debt Collection Practices Act...

Foreclosure Defense If you are at risk of losing your home to foreclosure, talk to an attorney at the firm right away. Foreclosure defense can take many forms, such as loan modification, debt negotiation, debt consolidation and more. A short sale or deed in lieu, while it will not salvage your property, can help you avoid foreclosure and its consequences. Read about foreclosure defense...

Legal Help with Your Financial Problems

The firm is available to help you at any time - you may call on weekdays, weeknights, weekends or holidays and an attorney will get back to you promptly. You will not be referred to a paralegal, secretary or assistant. An attorney will take a comprehensive view of your case to determine what needs to be done to best address the problems you are facing and give you a second chance. They understand the importance of this action in your life and will happily take the time to answer your questions, explain the steps involved and keep you informed of the progress of your case. The firm offers top quality legal help at reasonable rates and can even work with you to establish a payment structure that suits your personal circumstances. They also offer a free consultation to help you get started on your path to a brighter future.

Contact a Raleigh bankruptcy attorney to find out about your options for resolving your debt problems.