PORTSMOUTH BANKRUPTCY: CHAPTER 7 AND CHAPTER 13

BANKRUPTCY LAWYER IN PORTSMOUTH

At our firm, the David McCormick Law Group, we work with all types of people in the Portsmouth area, and our goal is to help them get debt relief. You may be considering filing for bankruptcy. Do you know that there may be alternatives to bankruptcy in your case? We are careful about how we advise our clients. We want them to gain the most benefit and get the least damage possible. In many cases, filing for bankruptcy will achieve the best results. Filing Chapter 7 allows you to be totally free of most consumer debt. The debts are discharged, and you will no longer owe them. They will never come back to haunt you in the future. It is important that you get professional assistance and avoid the many bankruptcy myths that may make your situation more difficult, such as incurring more debt that will not qualify for discharge.

We are committed to providing personal, individual service to each person we represent. You can find out how we can help you in a free initial consultation. Whether you qualify for Chapter 7, or Chapter 13 is a better choice for you, it is important that you understand the differences between Chapter 7 and 13 and what the advantages and drawbacks are in each form of bankruptcy. Chapter 7 is the most commonly filed form of bankruptcy, and offers the greatest relief for most of our clients, as they have a real opportunity to start over financially, free from most debt. The benefits start immediately upon filing – all creditor actions are stopped. In fact, it will be illegal for a creditor to contact you by any means, letter, phone or email.

BANKRUPTCY AND ALTERNATIVES: DEBT RELIEF IN PORTSMOUTH

Are you worried and wondering, do I qualify for bankruptcy? We can quickly help you to determine whether you qualify, and can introduce you to other alternatives that could be beneficial in getting your financial life under control. Most of our clients qualify for Chapter 7, and when the bankruptcy is complete, they have lost nothing – except the debts that they were unable to pay. You are likely in the same position. If you have too many assets to qualify, filing Chapter 13 is an option that could help you avoid foreclosure, among other benefits.

If you are concerned about life after bankruptcy, we can give you the real facts. Although the bankruptcy will show on your credit report, it is likely that you already had damaged credit. Once the debts you owed are discharged, you have the chance to move ahead with rebuilding credit. If you carefully manage your expenditures and bills, you will be back on track with your credit far sooner than you may believe. We assist our clients through every step of the bankruptcy process from submitting the means test in qualifying for bankruptcy through appearing in bankruptcy court, negotiating with any creditors that have chosen to appear, and in every other part of the process.

Get help from our Portsmouth bankruptcy lawyer, and contact us now. If your situation is urgent, we will act at once.

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