What Are The Benefits of Bankruptcy?
New Hampshire Bankruptcy Attorney
If you are considering filing for
bankruptcy because you're no longer able to keep up with your monthly obligations,
or because you're being hounded by creditors, I can answer all of
your questions, explain the advantages of filing for bankruptcy and I
can help navigate you through the process.
nearly 20 years in the field of bankruptcy law, I have the knowledge and experience necessary to guide you in the right
direction towards real debt relief.
Contact my bankruptcy firm in Manchester to discuss the best options for you.
Top 5 Reasons to File For Bankruptcy
Unfortunately, a lot of debtors continue struggling with their debt when
bankruptcy could offer them the fresh start they do desperately need.
While bankruptcy is reported on your credit for 10 years, there are many
benefits that outweigh the disadvantages and I would be happy to explain
these positives to you.
Once you file for bankruptcy, the "automatic stay" goes into
effect. This is an injunction from the bankruptcy court prohibiting debt
collectors from contacting you, commencing or continuing any collection
activity. The automatic stay remains in effect until the bankruptcy is
discharged. This means that creditors must stop calling you or sending
collection letters in the mail.
The automatic stay has far-reaching effects because it also stops wage
garnishments, foreclosure actions and any type of lawsuits filed by a
creditor in an attempt to collect a debt.
In a Chapter 7 and Chapter 13, the debtor is discharged of their unsecured
debts. This includes
credit card debt, personal loans, and
medical debt, all of which can be in the tens of thousands if not more.
Chapter 13 is the bankruptcy of choice for debtors who want to save their
home from foreclosure because it allows them to keep a valuable asset
such as their home.
Debtors can begin rebuilding their credit score almost immediately. Credit
restoration is essential and I show my clients exactly what steps to follow
in order to get a 720 fico score within 12 to 24 months of the bankruptcy
Contact Bryan W. Clickner, Attorney at Law, PLLC today!
If you are struggling with crushing debt, it may be high time to consider
your bankruptcy options. Considering that bankruptcy may allow you to
wipe out thousands in debt and start anew with a clean slate, bankruptcy
may truly be the most logical option you have available. As a seasoned
New Hampshire bankruptcy attorney and founder of Bryan W. Clickner, Attorney
at Law, PLLC, I welcome the opportunity to help you get the financial
fresh start you need and deserve!
Call my Manchester
bankruptcy firm today to schedule your
FREE case evaluation!