consolidation not the answer
If credit counseling is not working or has turned out to be
different than it was marketed, you are not alone.
Individuals nationwide have been misled into credit
counseling programs that are expensive, unenforceable under
state and federal law and damaging to credit ratings. A
Chapter 13 court protected plan may be no worse on your
credit, will almost always be interest free and you are able
to pay all or a portion (pennies on the dollar) of your debt
to your unsecured creditors (i.e. credit cards). Your
Chapter 13 monthly payment should be affordable. Your
Chapter 13 plan will be signed by a federal Judge making it
fully enforceable under state and federal law. If your
credit counseling program is simply not working call our
offices today for a free comparison.
-in debt because of a failed marriage
or cosigned loans
-overwhelmed with high interest finance company personal
-stuck in the pay check advance cycle that never ends
-have back taxes which require a payment plan
-being threatened by Utility companies to shut off your
gas, lights, telephone or water
Call The Cocirteu Law Firm to help you end all these
Stop Creditor Harassment
As soon as you file for bankruptcy, your creditors may no
longer contact you. If your creditors are calling day and
night, you should consider bankruptcy. Call today at
216-381-8800 and stop creditor harassment.
If your home is in Foreclosure, a Chapter 13 court protected
repayment plan will stop the foreclosure dead in its tracks.
In Chapter 13, you will be provided the opportunity to get
caught up on your mortgage payments over a five (5) year
period - with reasonable monthly payments. As soon as you
file for Chapter 13, the automatic stay serves to put an end
to the foreclosure lawsuit. You must file your Chapter 13
before your home is sold at Sheriff's sale. Contact our
offices today for a free consultation.
If you are behind on your car payments, your car lender may
repossess your car at any time. Chapter 13 provides a
solution. In Chapter 13, your car will be protected and you
may modify your car loan down to the fair market value of
the vehicle. This will reduce the amount that you must pay
for the vehicle. Even if your car has already been
repossessed, if you file for Chapter 13 protection, your car
lender must return the vehicle to you. If your car has
already been sold at auction, you may not be able to demand
the return of your vehicle. Contact our offices for
immediate vehicle protection.
Filing Chapter 7 or Chapter 13 will put an end to those
never ending credit card payments. You may qualify for a
complete discharge of your credit card debt in Chapter 7
which provides complete relief from these debts. If you file
Chapter 13, then you will be required to pay a portion or
all of your credit card debt through a court protected
repayment plan. Even if you pay all of your credit card
debt, it will almost always be interest free.
Filing bankruptcy, Chapter 7 or Chapter 13, will protect
your paycheck and stop all wage garnishments. For most
debts, the garnishment will stop and the garnishment causing
the debt will be eliminated ( Chapter 7 ) or be reduced
(Chapter 13 ). Protect your wages today by contacting our
offices as soon as possible.
FREE CREDIT REPORT: