Bankruptcy Attorney – Elk Grove
Not only can debt put a huge strain on your paycheck, but it may prevent you from saving for your retirement, your child’s education, and other future expenses. In addition, you may be getting regular phone calls from debt collectors if you are behind on your payments. Cutler & Associates, Ltd. can offer the help you need to shrink or eliminate your debt in Elk Grove, advocating for your consumer rights through every step of the process.
Resolving Your Debt in Elk Grove
If you have fallen behind on mortgage and credit card payments, it is best to contact your creditors as soon as possible to work out a payment plan. If you have waited to talk to debt collectors because you are unable to make payments, you might be facing foreclosure, wage garnishment, or other serious consequences. Our bankruptcy attorneys can stop these consequences from coming to fruition with the following services:
- Chapter 7 Bankruptcy. With Chapter 7 bankruptcy, debts are discharged, which will create a pathway to financial freedom with a fresh start. Though your credit will take a hit when you file for bankruptcy, it may be the only option to let you move past your debt and stay current with monthly expenses.
- Chapter 13 Bankruptcy. Unlike Chapter 7 bankruptcy, Chapter 13 does not involve the complete resolution of debt, but it will restructure debts with an affordable payment plan that you can afford based on your income.
- Debt Relief. If neither bankruptcy option is right for you, our lawyers can still help. We can work directly with your creditors to reduce or eliminate your debt so that you end harassment from debt collectors and restore your financial independence.
Choosing the Right Representation
Whether you are resolving a lawsuit from a creditor or considering filing for bankruptcy, it is important to have the representation of an experienced bankruptcy attorney in Elk Grove. Bankruptcy is a complex process that will require a customized approach for every case. At Cutler & Associates, Ltd., we only focus on bankruptcy law and debt relief, so we have the expertise necessary to represent your case with more than 20 years of experience in our firm. As soon as we begin working with you, we can stop calls from creditors and begin restoring your peace of mind. We offer free bankruptcy consultations, so don’t hesitate to give us a call or visit our website to schedule your first appointment in our practice.