Bankruptcy Alternatives

Many people turn to bankruptcy when they have been sued by a creditor or debt collector. At Hargis Law Office, we will evaluate whether a bankruptcy filing is right for you. Many times these collection suits can be successfully defended using state rules of court that require the creditor or collector to prove their case under the Rules of Evidence, which many times they cannot. Your case will also be evaluated with respect to federal consumer protection laws such as the Fair Debt Collection Practices Act. Using these methods of defense, individuals may avoid a bankruptcy filing appearing on their credit report, avoid losing their existing relationships with other creditors with whom they have maintained a good relationship, and avoiding the loss of credit for years after their bankruptcy has been completed. HLO offers a free consultation to evaluate these and other alternatives to a bankruptcy filings.