As a Debt Relief Agency, we help people petition for bankruptcy protection under the United States Bankruptcy Code. But filing for bankruptcy isn’t always the best or first choice for every client. If you have a steady income and the ability to repay your debts with a bit of assistance, we can provide debt negotiation services to help you avoid bankruptcy and eliminate the need for drastic action such as selling your home, liquidating your 401K or any other asset to pay off a harassing creditor.

Unlike credit counseling organizations who simply provide advice, as your legal representative, we work with your creditors and lenders to:

• Stop debt collection activities
• Modify your mortgage loans and payments
• Create realistic repayment plans
• Remove late fees and penalties
• Stop wage garnishments
• Settle lawsuits

Our legal expertise and knowledge of the Fair Debt Collection Practices Act (FDCPA) can put you back in the driver’s seat with a realistic and achievable repayment plan that protects your property and your credit.

However, if you have important assets under threat of loss, such as a home or a car - if you are unable to work – if you are trapped in an adjustable rate mortgage that you can’t afford, and which you are unable to refinance - or you feel hopelessly burdened with debt that you see no way of repaying - bankruptcy might be the right choice for you.