South Jersey Bankruptcy Lawyer
With Bankruptcy Law Offices Near Atlantic County, Burlington County, Camden County, Cape May County, Cumberland County, Gloucester County, and Ocean County.
When you are faced with a series of facts and financial realities that make you consider bankruptcy, it is likely that you are overwhelmed by the number of choices and considerations that loom in front of you. At a time like this, you need an experienced and dedicated attorney who will prioritize your needs and make sure that your questions are answered and that you comfortable with the legal strategy that has been selected.
South Jersey bankruptcy lawyer Andrew M. Carroll can help you determine the option that will get the creditors to stop harassing you while finding a way to manage your debt effectively. However, we are not going to push you into a bankruptcy action if this is not the right thing for you. With his years of experience, Andrew M. Carroll understands that every situation is unique and the legal choices that we make together must reflect your needs.
Free New Jersey Chapter 7, 13 and Business Bankruptcy Consultations
South Jersey bankruptcy lawyer Andrew M. Carroll focuses on meeting the needs of each individual client in order to help him or her get control of debt. I, Andrew M. Carroll, have created a practice where I can focus on a specific area of the law in order to develop the expertise to provide the right advice at the right time. In order to make sure that my clients are confident in their choice to retain the services of South Jersey Bankruptcy Attorney Andrew M. Carroll, I offer a free initial consultation. This first meeting is your chance to tell me what has happened in your life to make you consider a bankruptcy filing. I will review your financial information and help you to make a decision that works for you and your family. I decided to offer this as a free service because I did not want economic concerns to prevent you from learning about what I can offer you.
Although I have many years of experience in representing people in bankruptcy actions, I do not automatically recommend a bankruptcy case. There are many different factors to consider, including the amount of debt, whether the debt primarily is secured by collateral such as a house or car, and what your goals are in going through a bankruptcy action.
During the free initial consultation, we also will discuss what circumstances in your life have resulted in an inability to pay your debts. This includes whether you recently lost your job, experienced a serious medical condition that prevented you from working or resulted in serious medical bills that overwhelmed you and your ability to pay, or have gone through some other life-changing event. We also will focus on whether you have attempted to negotiate payment plans with any of your creditors. Often, the creditors will resort to bullying tactics in order to scare a person into paying a bill. However, these same creditors are willing to discuss alternative arrangements when an attorney gets involved in the process and bankruptcy is a real possibility.
One of the things that you may not have considered in thinking about filing for bankruptcy is whether the creditors for your long-term debt, specifically including your mortgage lender, did something wrong in issuing the loan in the first place. There are many regulations that a lender must satisfy and over the past few years, we have seen how many ways these lenders have violated the laws through the use of predatory lending practices. If you have been the victim of this type of loan, we may be able to use this information as leverage in negotiating a loan modification that will reduce the interest rates that apply to the loan and might even result in a decrease in the total principal loan amount.