We deal with people in all types of debt situations ranging from people slightly concerned about the balance owing on credit cards to people who have delayed filing bankruptcy and have been threatened with legal action by creditors (requesting information from a court to garnishee your wages). At this point, it is very important that you talk to a trustee in bankruptcy to go over all debt settlement options.
Filing bankruptcy isn’t always the right move for everyone, so we gladly go over all options with everyone that steps in our office. Explaining all options to you allows you to feel some sense of relief as you know that you are making an educated decision by weighing the pros and cons of each option against your personal situation. After you have a clear understanding of all options, we decide together which option best suits your needs. If we agree that bankruptcy is the best option, it can be filed within 24 hours, if need be.
Once you file for bankruptcy, all creditor action stops.
This means that your creditors cannot continue any further legal or collection activity against you, including wage garnishments, harassing letters or telephone calls.
The bankruptcy process is designed to help an honest but unfortunate debtor to get a fresh start plus you’re able to keep assets.
If you are in debt and struggling to get out, don’t wait to get help. We are here to discuss all options with you, whether that be a bankruptcy, a consumer proposal, debt consolidation, etc. Contact our office today.