Sometimes things come up in life that lead to financial challenges. Medical bills, car issues, loss of income, divorce, or the loss of a loved one can derail all your plans. Financial burdens can severely impact other aspects of your life, and handicap your future. When the budget just doesn’t allow you to keep up, and when the creditors start becoming aggressive, it is time to take action. You have rights, and you have options.
At Schmeltzer Law, we have experienced professionals who can help you identify the key issues and design a plan to navigate these financial challenges. If you are facing liens, repossessions, garnishments, foreclosure, or simply dealing with harassment by creditors, we have the tools to get you relief. We offer a variety of services to provide you with a fresh start, and a path to financial peace.
We may be able to assist you to avoid repossession, or to restructure your loans, potentially reducing interest rates, payment amounts, and even reducing the amount you have to pay on the loan. We have tools to help you keep your home, and may even be able to eliminate second mortgages and other encumbrances to your real property. Recent changes have even made relief from student loans more accessible.
We can help you with:
- Debt negotiation and settlement to avoid Bankruptcy
- Loan modifications to avoid Bankruptcy
- Chapter 7 bankruptcy
- Chapter 13 bankruptcy
- Credit repair strategies