Attorney Offers Bankruptcy Alternatives

Are There Alternatives to Bankruptcy?

While bankruptcy filing can be a great option for many people who are having serious problems with their debts, it is not always the right option for everyone.  Some individuals just do not feel it is right to file for bankruptcy; others are better served by using other techniques, such as debt negotiation or consolidation.  Regardless of the reason, the bankruptcy attorneys at the Malaise Law Firm serving in Corpus Christi, McAllen, Brownsville, Harligen and surrounding areas, have various options we can offer our clients to assist them with handling their debt through methods other than bankruptcy.

If you find you have considerable credit card debt, personal loans, department store bills or any other type of unsecured debt, our office has skilled negotiators who are able to either negotiate a lower interest rate for you so as to lower your monthly payments, or attempt to settle your debt for a percentage of the total, thereby saving you perhaps thousands of dollars.  Either through debt negotiation, consolidation or settlement, our legal team is aggressive and talented when it comes to working out a solution to your debts.

If you are behind on an auto loan, there are ways we can work out a lower interest rate, extend the term of the loan or even renegotiate the total owing so as to lower you monthly payments.

If you own your home and are struggling with mortgage payments, there are several options available to you depending on your goals.  If you wish to keep your home, our office can work out either a forbearance or a loan modification on your behalf, payment options that will allow you to get back on your feet financially while still keeping your home.  If you find you simply cannot afford your home but wish to avoid a foreclosure or a bankruptcy, our lawyers will work hard with your lender to get them to accept a short sale or deed in lieu of foreclosure as solutions to turning your home back over to either a new owner or to back to the lender.

Providing You With the Right Choices

Bankruptcy is not the right choice for everyone.  For those that need alternatives, the Malaise Law Firm knows the legal options you need to handle your debt problems quickly and effectively.  Our office is committed to helping our clients get back on their feet financially and be able to move forward with their lives.  Our legal team has been assisting clients throughout Corpus Christi, McAllen, Brownsville, and Harlingen in South Texas for many years and looks forward to helping you as well.

To discuss alternatives to bankruptcy, contact the Malaise Law Firm , for a free initial consultation.