Should I File Bankruptcy or Try Credit/Debt Management?

If you feel like you are drowning in debt, you are probably receiving many offers from debt management and credit consolidation companies promising to help you pay off or manage your debt. At first, their proposals and offers sound reasonable and appealing, but most of these programs don't take the time to be sure that their plans will really work for your specific problems. They offer alternatives to bankruptcy under the guise of credit management, debt management or mortgage modification.

Never trust any management programs that don't include extensive early budget review and an in-person free analysis.

There may very well be options available to you, but often these ubiquitous, impersonal companies from distant states do not have your best interests in mind. They do not take the time or effort to understand your budget in full, they don't live in your community and they don't meet you in person. These programs don't take the time and resources necessary to customize a plan that might work for you. Many are out-of-state companies and Internet scams that actually make matters considerably worse by collecting your hard-earned money, and not paying your creditors. Many of these so-called solutions are not carefully thought out or properly based on the facts of your individual circumstances. The company selling the plan always benefits when you don't.

At The Law Offices of Neil Crane, LLC, we help our clients throughout Connecticut avoid the myriad scams in credit consolidation and mortgage modification. Your problems and our solutions require a face-to-face meeting and work hard to guide our clients toward the best resolution for their particular needs, goals and personal situation. It cannot be overstated that it is in your best interest to consult with a highly qualified and experienced bankruptcy and debt relief lawyer before making decisions that will significantly impact your life and financial future.

Contact us today to schedule a free initial consultation. We will take the time to discuss your concerns, answer your questions, and review in depth your full financial situation. Our attorneys live here. We serve clients at offices across our home state, including Hamden, Bridgeport, Waterbury, Rocky Hill and Ridgefield.

Finding the Right Debt Solution for Your Budget

Debt negotiators and consolidators often prey upon people with money problems because that is how their own business is designed to make money. They are well aware of how trusting and vulnerable a person can be when suffocated by debt. For months, they may promise to negotiate down your debt, settle a small bill and continue charging you fees. In the end, you don't have a full and successful resolution, and you've squandered your household money on an ineffective program or scam that plays on your hopes and fears

In many cases, not all bills are covered by the plan. Collection actions continue, harassing phone calls do not cease, and you continue to snowball deeper into debt. You end up paying monthly fees you can till afford, usually by the company's direct deduction from your accounts. These monthly deductions often continue as creditors commence lawsuits against you here in Connecticut.

While true debt consolidation can be a very valuable alternative to bankruptcy, your case needs to be analyzed and crafted by a trained and insightful professional who possesses a full complement of experience, knowledge and skill coupled with an intimate in-person understanding of your special circumstances.

Our attorneys are well versed in all debt consolidation options as well as debt settlement. We take the time and interest to meet with you to explore all options for reaching a solid, long-term solution. Not a bandaid quick fix, but something that will help you thrive for the long-term.

We help our clients vet all available options thoroughly and make informed decisions for all the options that will best fit their budgets. We will advise and represent you while protecting your rights as a borrower, consumer and property owner in every way we can, analyzing debt relief options including:

  • Debt consolidation
  • Chapter 7 bankruptcy
  • Chapter 11 bankruptcy
  • Chapter 13 bankruptcy
  • Foreclosure defense in Connecticut
  • Foreclosure mediation
  • Mortgage modification
  • Second mortgage and lien removal
  • Other debt settlement options
  • Small-business bankruptcy

Contact The Law Offices of Neil Crane, LLC

We help you weigh the consequences and the benefits equally in every form of debt relief. Call us today at 203-230-2233 or toll free at 888-249-3027, or complete our online contact form to schedule a free initial consultation. When you call us, you will always speak to an attorney. We do not use voicemail. We are committed to providing excellent, prompt service and complete legal protection.

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.