Ventura Bankruptcy Lawyer
Protecting Your Financial Rights
If you are struggling with debt, you are not alone! California consistently
ranks as the leading state in number of declared bankruptcies. Given that
most debt crisis occur not by uncontrolled spending, but as a result of
an unexpected financial burden, the statistics are not surprising in today's economy.
Law Offices of Janet L. Mertes,
we have dedicated our practice to providing the supportive counsel and
effective representation our clients need when confronting an overwhelming legal difficulty. Our Ventura bankruptcy
lawyer has helped thousands of individuals tackle their burden of debt
and regain their financial stability.
We offer the strategic guidance you require and deserve to successfully
navigate through your bankruptcy process.
Stop creditor harassment, garnishments, foreclosures, & more!
The bankruptcy codes were created to provide a legal means for consumers
to address their outstanding debt and protect their rights in the process.
No matter what type you declare,
Chapter 7 and
Chapter 13 bankruptcy can do the following:
- Put a halt to credit agency harassment
- Stop wage garnishments
- Prevent creditor law suits
Petitioning for legal debt relief can alleviate much of the stress associated
with devastating debt so you can begin rebuilding your financial stability.
Due to the unique nature of your situation,
deciding if you should declare bankruptcy and what type of bankruptcy would work for you is best done with the assistance of
insightful legal counsel.
Attorney Janet L. Mertes can assess your circumstances and help you determine which would be the
most favorable course of action for you and your financial future.
Bankruptcy can eliminate or restructure numerous types of debt, including:
- Credit card debt
- Personal loans and lines of credit
- Medical bills
- Mortgage debt, including second mortgages and HELOCs
- Auto loans
- Some tax debt
Credit Consolidation vs. Bankruptcy
The television jingles guaranteeing debt relief through consolidation are
full of hollow promises. In reality,
credit consolidation may actually increase your debt obligation and make
it harder to rebuild your good credit. There is no law mandating any of your creditors to accept consolidation.
Additionally, if they do "forgive" your debt, the amount you
owed can now be considered as income and subject you to an unexpected tax bill.
Bankruptcy, on the other hand, is governed by federal and state law. Once
granted, your creditors have to adhere to the terms stipulated by the courts.
Request a free case consultation today!
At the Law Offices of Janet L. Mertes,
we recognize excessive debt can have a significant impact on your day-to-day life and cause you to be apprehensive about your future. If you still have
questions regarding bankruptcy in Ventura, visit our
bankruptcy FAQ page for relevant answers to common concerns. Our compassionate Ventura
bankruptcy lawyer would welcome the opportunity to meet with you and detail
how we may assist you start on the road to a financial fresh start.