Elgin | Cutler & Associates, LTD.
There are many reasons you may be experiencing debt, from changes in employment status to unexpected medical expenses to the loss of a loved one. Regardless of why you are currently in a stressful situation with outstanding financial debt, it is important to find solutions that will halt the processes of wage garnishment and foreclosure as well as end harassing phone calls from predatory creditors. If you are seeking bankruptcy or debt relief services in Elgin, look no further than Cutler & Associates, Ltd. Our attorneys are prepared to provide aggressive representation for you to stand up to creditors and restore your financial freedom.
Bankruptcy is not a procedure to be taken lightly, as it involves complex laws and can have a lasting impact on your credit score. You won’t want to go at it alone when you choose to file bankruptcy, and it is essential to discuss any potential alternatives before you resort to Chapter 7 or Chapter 13 bankruptcy. When it comes to debt relief, the stakes can be high, as you might be threatened with repossession, lawsuits, foreclosure, or wage garnishment.
Chapter 7 or Chapter 13? – There are many types of bankruptcy, and the two most common among average consumers are Chapter 7 and Chapter 13. With Chapter 7 bankruptcy, all debts are dissolved, while Chapter 13 bankruptcy involves a payment plan following reorganization of debt.
Choosing representation – When you are considering bankruptcy, you will want to turn to an experienced law firm dedicated to debt relief and bankruptcy. Cutler & Associates, Ltd. can provide the distinctive expertise you need in Elgin, utilizing every legal measure available to end calls and letters from creditors and create a pathway to debt relief.
Bankruptcy is not right for everyone, which is why you will want to discuss it alongside other debt relief options with an attorney. In some cases, it may be possible to negotiate a payment plan outside of bankruptcy court or halt a foreclosure without filing for bankruptcy. Whichever solution is right for you, Cutler & Associates, Ltd. can provide you with the dedicated attention you need to eliminate your debt. When possible, we will help you achieve partial or total forgiveness of your debt so that you can move forward with a brighter financial future. To schedule an appointment in Elgin, give us a call or visit our website today.