Vernon Hills Bankruptcy Lawyer
Debt can accumulate quickly, and once you find yourself falling past due on your monthly bills, it may be difficult if not impossible to catch back up. If you have reached a point where you are facing foreclosure, lawsuits, liens, repossession, or wage garnishment, it is time to consider whether bankruptcy may help you get a fresh start. Bankruptcy is a complex process, but it can be the best option when you have insurmountable debt that’s threatening your home, personal property, and paycheck. A call to Cutler & Associates, Ltd can help you get started with the bankruptcy process in Vernon Hills. It all starts with a free consultation to discuss your debt and the options available to you.
Filing Bankruptcy in Vernon Hills
If you choose to file bankruptcy, it’s important to have a bankruptcy attorney in Vernon Hills representing you. When you file, you will need to determine if chapter 7 or chapter 13 bankruptcy is more appropriate for your situation. With chapter 7, debt will be liquidated, while chapter 13 will restructure debt with an expectation of future payments—though these payments will be in an affordable range for your income level and monthly expenses. Once you file, you will need to navigate the complex intricacies of bankruptcy court hearings, which may include debt negotiation, consolidation, and asset distribution. These are all tasks where it benefits you to have experienced legal representation, especially because the health of your financial future depends on the outcome of your bankruptcy proceedings.
Choosing the Right Representation
Debt collectors are aggressive, so it requires an aggressive approach to get them to back down and stop the harassing calls and letters. Cutler & Associates is experienced in dealing with debt collectors, and can help you get some peace so you can focus on actually managing your debt rather than running from it. We also understand that each bankruptcy case will be unique, so we take the time to work with you and get to know what’s most important to you—keeping your house or creating more affordable payments for your medical bills, for example. Our team has more than 20 years of experience in bankruptcy and debt relief, so you can trust your case to us to restore your financial freedom.