Debt Consolidation:An Alternative To Bankruptcy

Discover how debt management could change your life with the bankruptcy lawyers at Macey Bankruptcy Law. At our firm, you'll be gaining solid debt consolidation advice from lawyers who focus in Chapter 7 and Chapter 13 consumer bankruptcy. As one of the largest bankruptcy law firms, we currently have a client base in this field of over 40,000 and now represent over 10,000 new clients each year.

Chapter 13 debt consolidation bankruptcy alternative

Macey Bankruptcy Law offers a free 24-hour debt consolidation information line to answer many of your questions. In addition, our web site provides outstanding resources including how-to information on rebuilding your credit. You'll also find up-to-date articles on your legal rights and providing effective first aid to your ailing financial situation.

Most traditional debt consolidation programs only allow specific debts to be consolidated in the payment plan, and don't usually include mortgage arrears, car payments, tax debt, and child support arrears. All of these debts can be included in a Chapter 13 bankruptcy, consolidating your debt into one monthly payment and providing protection from ALL of your creditors. Chapter 13 plans are usually between 3 and 5 years in length. All dischargeable debts are eliminated at the completion of the bankruptcy. Traditional consolidations allow a possibility that the plans could drag on for years without significantly lowering the balances.

Visit our Resource Center

Macey Bankruptcy Law has one of the most sophisticated consumer bankruptcy practices because we rely on current information within the industry. Our Resource Center offers detailed information about the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The center also offers helpful links regarding rebuilding your credit report, articles, glossary of terms and a friendly lenders list.

The highest level of client service

We have offices throughout the country, and our attorneys answer the phone six days a week. We are always striving to provide the highest level of client service available. You can stop paying your creditors immediately. We will take all of your creditor calls so you do not have to deal with any more harassment.

Learn all your bankruptcy alternatives from experienced lawyers.

Unlike many other firms, we offer you a choice of several different payment methods. Our law firm will quote you an estimate of our fees without obligation. Should you decide on Chapter 13, most of your fees are paid, interest free, through your Chapter 13 repayment plan.

Here are some tips on successfully re-establishing your credit

1. Open a checking or savings account.

2. Apply for store and gas credit cards that you would normally pay cash.

3. Pay your utility bills and rent on time for at least a year.

4. Find a friend or relative to cosign for you on a loan and pay it on time.

5. Stay away from payday loans that are at high interest rates and are a "bad credit" trap.

There are debt consolidation bankruptcy alternatives

The lawyers at Macey Bankruptcy Law have the background needed to explain your bankruptcy alternatives and suggest the best solution to your financial difficulties. We can give you immediate protection you need now plus help you find the best path to a financially stable future.

After helping thousands of clients by discharging millions of dollars in debt, our team at Macey Bankruptcy Law has the background needed to explain your bankruptcy alternatives and suggest the best solution to your financial difficulties. We can give you immediate protection you need now plus help you find the best path to a financially stable future. The right choice in legal help today can make a major difference as you begin to build for a better tomorrow.