When you can’t seem to pay off massive amounts of debt no matter how hard you try, working with a Vigo County debt relief attorney can be the best way to clear your name and move forward with your life.
Sometimes, despite your best efforts to repay your debts, you just can’t seem to keep your head above water. With sky-high interest rates, it can make repaying your debts simply impossible without compromising your ability to provide basic necessities for living, such as a roof over your head and food on the table.
If things are getting out of control and you aren’t sure where to turn, get help from an experienced Vigo County debt relief lawyer at Rowdy G. Williams Law Firm. We’ll work diligently to determine the best options for handling your debts and creditors.
When Creditors Cross the Line
It happens far more frequently than it should: Debt collectors can get out of hand, resorting to harassment and other actions that can negatively impact your everyday life. Debt harassment is illegal and includes behaviors such as using foul language, making threats, telling your employer or family members about your debt, and making multiple phone calls per day.
When this happens to you, your attorney will put a stop to it, whether through the threat of legal action, or by using their harassment as leverage to reduce your debts to a more manageable amount. In either case, you can rest easier knowing your debt relief lawyer in Indiana has your best interests in mind.
Declaring Bankruptcy Could Be Your Best Option
Thankfully, this debt can be relieved in a couple of ways. Often, those suffering from a significant amount of debt will turn to bankruptcy to become debt-free. There are two types of bankruptcy that might work best for your financial situation.
If you file for Chapter 7 bankruptcy, all of your disposable income will be given to your creditors to repay your debts, and your assets will be liquidated and sold. The funds raised from these sales will be given to your creditors, too, so you can repay your debts. Once you’ve given as much as you can, you’ll officially have the clean slate you were seeking.
The other bankruptcy option is to declare Chapter 13. Here, you’ll develop a repayment plan to repay your creditors over the course of three to five years without liquifying your assets. Your attorney will review your financial records to determine which debt relief option is the best route for you.
Work with a Vigo County Debt Relief Attorney
If you’re dealing with harassment from debt collectors and just can’t seem to get out of the pile of debt you’ve incurred, get help from a knowledgeable Vigo County debt relief lawyer at Rowdy G. Williams Law Firm. You can schedule your initial appointment today if you send in the quick contact form below or give our office a call at 1-812-232-7400.