Do I Need To File Bankruptcy?

When you’re buried in a financial problem, it can be difficult to see the light at the end of the tunnel. One of the most important things you can do to support yourself is to get accurate answers to your most pressing bankruptcy questions. Whether you have already decided to file for bankruptcy or you still have pertinent questions you need answered, now is the time to take action. Calling a Fresno bankruptcy lawyer may be the critical first step you take toward protecting your future. 

Debt problems and their consequences can linger for years. But is bankruptcy really the right option to address your debt situation? At The Winter Law Group, we help people in Fresno, California and throughout the Central Valley find answers to their questions about bankruptcy and other debt solutions. Covering your concerns with an experienced bankruptcy attorney can help you make informed decisions about how best to take control of your money. Meeting with a lawyer does not obligate you to file bankruptcy, but it does give you the next steps to take. 

Honest Assessments To Address Your Financial Concerns

Bankruptcy is not for everyone. If your debts are fairly minimal and can be paid off through proper budgeting, debt negotiation or refinancing, then perhaps bankruptcy is not right for you. Attorney Joel Winter understands that you are more than your money and will listen to all your concerns to help you determine your best option for achieving debt relief. He considers your current situation as well as the potential impact of each option on your financial outlook as well as your daily life.

We offer honest assessments upfront — if we do not think bankruptcy will help you significantly at this time, we will tell you so. 

If, however, you are overwhelmed by long-term, high-interest debt obligations you cannot afford to repay at this time, attorney Winter can help you determine whether Chapter 7 or Chapter 13 bankruptcy is right for you. We understand that contemplating bankruptcy can be frightening and embarrassing. By providing honest assessments in a confidential setting, we seek to help you make informed decisions about how to protect your interests and move forward.

What matters most to creditors is that you are an acceptable risk. Sustaining multiple unpaid debts is more likely to hurt your credit-worthiness than taking proactive steps to resolve your debt issues, like filing bankruptcy. While it is true that bankruptcy may initially lower your credit score, ultimately, it can give you a “clean slate” to begin rebuilding a strong credit history.

Take Back Financial Control

Filing bankruptcy can be a viable option for achieving debt relief, but it may not be the best one to address your overall money concerns. Take control and contact The Winter Law Group today to learn more about your options in a free initial consultation with Joel.