Villa Park
Villa Park Bankruptcy Lawyer
If you are at risk of foreclosure on your Villa Park home or you are finding it harder and harder to pay your existing debts, you may not know where to turn for help. Fortunately, you can find an advocate for your debt relief with an aggressive, experienced attorney at Cutler & Associates, Ltd, where we deal with chapter 7 and chapter 13 bankruptcy as well as debt relief planning. These services can give you a clean start with your credit and protect you from near-constant harassment from creditors. In addition, our team can hold creditors accountable if they have violated consumer protection laws in seeking the funds you owe. You still have rights, even if you owe substantial amounts of money, and the right lawyer will work to protect those rights.
When to Call a Bankruptcy Lawyer
You may have the misconception that you need to be on the verge of foreclosure before bankruptcy can help you, but you may benefit from being more proactive in visiting a bankruptcy lawyer. The longer you allow your bills to go unpaid and avoid calls from creditors, the harder it can be to negotiate a payment plan and restore your credit. Here are just a few of the situations in which it is appropriate to call for a free bankruptcy consultation in Villa Park:
- You have fallen behind on your bills.
- You are getting calls from debt collectors.
- A lawsuit has been filed against you to collect past-due debts.
- You are being threatened with wage garnishment.
- You have received a notice of foreclosure or repossession.
Why Choose Cutler & Associates
At Cutler & Associates, we have more than 20 years of experience in bankruptcy law and consumer protection. We can stop predatory debt collectors from disrupting your life with ongoing collection calls, which may come in at home, on your cell phone, and even in the workplace. In addition, we take the time to understand each client’s unique financial situation, so we can recommend the right solution. While you might benefit from the debt liquidation of chapter 7 bankruptcy, other clients may be better suited for debt restructuring under chapter 13 bankruptcy. In some cases, it is not appropriate to file bankruptcy at all, as more direct action can take place to negotiate with creditors regarding certain debts.