Money. It’s a persistent worry for most of us. Maybe nine out of every ten adults have serious questions about how they can stretch their resources to cover their needs.
Perhaps these questions have kept you awake at night:
- Can I support my family?
- What if I can’t pay my bills?
- How can I get creditors off my back when I don’t make enough money?
- Will I lose the house?
Everyone wants the American Dream of owning a home, going on annual vacations, and bringing up a family that can live comfortably. However, the reason why this lifestyle is known as a “dream” is because so many families can’t afford it. Instead, they work their fingers to the bone to get a little piece of that fantasy, only to be forced to declare bankruptcy when the bills begin to add up.
If you’re a “dream chaser,” you shouldn’t feel ashamed or worried for your family’s future. Instead, you should be working on a financial plan not only to break free from debt, but also to use your bankruptcy to get the experienced and knowledgeable advice you need from a seasoned attorney.
Susan Bratcher and Bratcher Law can help you through your bankruptcy while also helping you plan for a brighter, realistic, and stable future for your family.
Bankruptcy and the Help You Need to Break Free
Many people think “bankruptcy” is a foul word and a grubby concept. It’s not. It can be a lifeboat for your finances or an escape valve for high-pressure debt. Throwing money at countless creditors in order to have them leave you alone for 30 days—and then repeating the charade a month later—is neither an effective nor reasonable plan. Paying creditors a little bit here and a little bit there usually doesn’t touch your overall debt; it just nibbles away a little at the accrued interest charges.
It must be borne in mind that debt and bankruptcy are not signs of personal failure. Many, many of our clients are victims of circumstances beyond their control: a sudden catastrophic medical crisis, the loss of a job, or misleading advertising. Declaring bankruptcy, if pursued correctly, can actually make your hard earned money work for you rather than against you. After over 20 years helping people like you use their bankruptcies as a new beginning, Susan Bratcher knows the value of financial freedom and is eager to help you know it too. That is why Bratcher Law prides itself in handling every aspect of your Chapter 7 or Chapter 13 bankruptcy from start to finish, including:
- Tax issues – Explaining and organizing taxes and audits during and after bankruptcy.
- Foreclosures – Setting up a plan to avoid or cancel foreclosures.
- Creditors – Helping you choose a plan that will keep creditors from harassing you.
- Debt lawsuits – Addressing any possible legal action that may be pending against you for unpaid debts, and helping you resolve any legal financial disputes.
- Garnished wages – Avoiding government attempts to dock pay or garnish wages for debt payments.
Working Harder to Secure Your Future
When it comes to your future, we don’t mess around. You’re not just a case number to us—you’re family. As such, we can’t and won’t let you be taken advantage of. Declaring bankruptcy is hard, and the aftermath can last a long time. However, we’ll be here every step of the way to provide you with the advice, service, and compassion you need to secure your future.
- Our success rates are astounding: 75 percent of our Chapter 13 clients have their debts discharged.
- We don’t do one-size-fits-all cases. We take the time to make the necessary adjustments to make your bankruptcy work for you.
- We utilize our 20-plus years of experience working with financial planning and bankruptcy litigation to build your case and design your financial plans.
- We’re constantly growing and bettering our understanding to help make the most out of your case. We regularly attend national bankruptcy law education classes to learn new techniques and tips to work more efficiently on your behalf.
- We ensure that your plan is the best fix, not just the quick fix.
- We help you see that there is more than one way to reach your financial goals. Even once you’ve chosen a plan, you still have options to change it if your goals or circumstances change. As long as you’re alive and competent, we can help you make changes
- We give you options. In addition to guiding you through your bankruptcy, we’ll also be there to remind you of deadlines (FAH Loan Refinancing for siding and roof repair, etc.), help you apply for home care grants, and anything else you may need to begin to rebuild your future.
- Sympathy and respect are our core values. You need to be treated as more than just a case; we know that bankruptcy is hard on you and your family. We won’t add to the pressure or make you feel as though you’re to blame.
- We’re loyal to the end. Even when your bankruptcy is filed and the bank no longer cares about you, we’ll still be here to make sure your finances stay on track and your credit is rebuilt
Call or check out our contact page today to make an appointment for a free consultation. Remember, the only reason to be ashamed of declaring bankruptcy, is if you don’t get the help you need. Allow us to help you break free from debt and get back on track toward a new and happier future.