Alternatives to Bankruptcy and Other Services

What if now is not the right time for you to file bankruptcy? An attorney can still help you communicate with your creditors. Some advantages to hiring an attorney include:

  • The debt collector must contact the attorney representing you regarding the debt, rather than you.
  • Your attorney can help confirm that the debt is indeed valid, as well as analyze all defenses you may have.
  • Often, your attorney can negotiate a settlement of your debt for less than the amount your creditor claims you owe.

Your attorney can also provide you with the following services related to debtor's rights:

  • Dispute errors on your credit report
  • Defend lawsuits filed by debt collectors
  • Protect you against violations of the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

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