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How We Can Help

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Benefits of Working with one of our bankruptcy attorneys

Total Debt Relief by

Phone & Video

$0 Up-Front Bankruptcy

Free Virtual Consultations

Fast, same day case filing

Affordable payment plans

Established bankruptcy law firm - since 2003

Real DebtStoppers Clients Real Debt Relief

In this short video, hear what just a few real Semrad clients had to say.

Katie Harris

Katie Harris

Important to me in a professional collaboration is the confidence and willingness to resolve the issues.
Myrna Rodney

Myrna Rodney

Trustworthy and professional approach towards every detail of my enquiry. The team responds quickly and effectively with problem solving mindset.
Devan Marabelli

Devan Marabelli

My experience with DebtStoppers was very easy and fast.

Debt Relief Information

Understanding When to File for Bankruptcy: A Personal Decision

In our role as a consumer bankruptcy firm, we frequently encounter the question: "When does it make sense to file for bankruptcy?" The answers often heard range from "when the debt is unmanageable," to "only when it's the last resort," or "at the point when you don't see a way to pay your debt in the foreseeable future." However, it's critical to remember that these responses, while potentially helpful, may not apply universally.

The decision to file for bankruptcy is an incredibly personal one. It differs from individual to individual, as each person has unique circumstances, tolerance levels, and views on what constitutes an acceptable amount of stress. Therefore, a one-size-fits-all answer simply doesn't exist.

At DebtStoppers, we believe that the turning point comes when you, the individual in debt, feel that "enough is enough." The moment you no longer wish to shoulder the burden of your debt, that's when it makes sense for you to consider bankruptcy.

Our role as legal professionals is to guide you through the bankruptcy process, inform you of your rights, and provide you with the tools to make an informed decision. However, the final call is yours to make. It's a personal decision, and the "right" answer can only be determined by you, based on your unique situation and feelings.

Each journey through debt and bankruptcy is unique. As such, it's essential to approach the decision to file for bankruptcy with empathy and understanding, acknowledging the stress and emotions involved. We are here to empower you, providing you with accurate information and guidance, so you can make the decision that best suits your needs and helps you move forward with your life.

Remember, the decision to file for bankruptcy isn't a sign of failure—it's a step towards regaining control of your financial future. And whatever path you choose to take, we at DebtStoppers are here to support you every step of the way.

If you have any questions or need guidance about bankruptcy, don't hesitate to reach out to us. We're here to help.

Are you struggling with these debt problems?

  • Stop Foreclosure. Save Your Home — Filing bankruptcy prevents your mortgage lender from foreclosing on your home. Under Chapter 13, you can reorganize your debt into a manageable repayment plan, including low monthly payments that allow you to keep your home.
  • Stop Repossession. Get Your Car or Truck Back. Lower Your Payment — A bankruptcy plan stops car or truck repossession. If you act quickly, it can even get your repossessed vehicle back — and even get your car payment lowered. Our attorneys can help you keep your possessions and take back your financial life
  • Stop Credit Card Debt. Repair Your Credit — As your debt-to-income ratio grows, your credit score declines. Your lenders respond by tightening your credit and raising your interest rates. Filing for bankruptcy can actually reverse this trend, as you begin to take the necessary steps to repair your credit.
  • Stop Creditor Harassment — As soon as you file for Chapter 7 or Chapter 13, the bankruptcy court grants you automatic stay protection. This orders your creditors to back off. They can't contact you directly and can only attempt to collect on your debts through the bankruptcy court. The automatic stay effectively eliminates harassing phone calls and other collection tactics. In fact, when creditors ignore this court order, you may be able to sue them for damages!
  • Keep Your Possessions — You may think that filing for bankruptcy will force you to sell everything you own. Nothing could be further from the truth. In reality, bankruptcy helps you hold onto important items like your home, your car, your retirement plan — even your cash.

Are you ready to choose the best remedy for your debt?

Why do so many homeowners end up in foreclosure even with a mortgage modification? Because mortgage modification can't save enough to make a difference. A bankruptcy plan can save your home because it will save you hundreds, even thousands more per month than a mortgage modification will. If you want to save your home, total monthly savings is the answer. Bankruptcy works.

Is your debt taking over your life?

Sooner or later, all of us go through tough financial times. Job loss or a reduction in hours, divorce, an unexpected medical bill or large repair expense can put us over the edge. More American families than ever find themselves one paycheck away from serious financial trouble.

How did Chapter 7 and Chapter 13 first appear?

Anticipating the heavy burden a poor economy places on families, Congress passed — and the president signed into law — the most effective debt relief tool ever created for helping working people eliminate debt: the personal bankruptcy statutes governing Chapter 7 bankruptcy and Chapter 13 bankruptcy.

Are you looking for debt relief for yourself and your family?

DebtStoppers is one of our country’s largest bankruptcy law firms. We've helped countless families stop foreclosure, garnishment and repossession, eliminate debt and hold on to their homes, vehicles and valued possessions. We offer sound debt advice, answer your questions and guide you through the bankruptcy process patiently and professionally. We will always treat you with the respect you deserve. We know how it feels to be overwhelmed by debt and we'll take all the time needed to make sure we understand your situation and your wishes.

Trust a local bankruptcy attorney from DebtStoppers to guide you to financial freedom.

Your DebtStoppers bankruptcy lawyer is your advocate. We'll fight for you and keep your interests always in the forefront. Call DebtStoppers today at 844-546-7300, or fill out our easy online appointment form.