Hassled by Creditors?

• Bankrupt?
• Tax Problems?
• Mortgage & Foreclosure
• Chapter 7 & 13 bankruptcies
• May you avoid bankruptcy?

I am an attorney.  The credit card companies hired Congress, the best men money can buy, to compel me to state the following:  “I am a debt relief agency.  I help people file for bankruptcy relief under the Bankruptcy Code.”  (I have read the statement a number of times and remain puzzled about its meaning.  It seems to me that whoever coined the two sentences might need an English writing refresher course.  But there it is.)

In any event in this Age of Debt this is WHAT I ATTEMPT TO DO.

RULES EXIST WHICH LIMIT THE WAY BANKS, DEBT COLLECTORS, CREDIT CARD COMPANIES, COLLECTION AGENCIES, MORTGAGE SERVICING COMPANIES, CREDIT REPORTING AGENCIES, MORTGAGE FORECLOSURE COMPANIES, FINANCE COMPANIES, MORTGAGE BROKERS AND ANY OTHER FINANCIAL COMPANY AND THEIR ATTORNEYS TREAT YOU.  AND THERE ARE PENALTIES FOR THE VIOLATION OF THESE RULES.

As a result I view bankruptcy as a last resort.  Before I recommend bankruptcy, I attempt to determine if the use of these laws and rules and their penalties might prevent a bankruptcy.  Sometimes the judicious use of non-bankruptcy law will prevent a bankruptcy.

In my efforts to learn and apply these non-bankruptcy statutes, I attend seminars, conferences and conventions of the National Association of Consumer Bankruptcy Attorneys, the National Consumer Law Center and the National Association of Consumer Advocates.


Former Bankruptcy Court Trustee James Sturdevant can help.