Alternatives to Bankruptcy in Arlington, TX
Consider All of Your Debt Relief Options
At the Law Office of Marilyn D. Garner, we operate with the understanding that every client is unique and has particular goals of their own. From day one, we work to ascertain what those goals are, and how we can work with you to achieve them. Our law firm strictly avoids hard sale tactics, preferring to listen to our clients' needs and concerns and compassionately pursue their interests rather than push one particular course of action.
By retaining our firm you will receive the prompt, courteous communication we believe our clients deserve. Your case won't be handed off to a disinterested or inexperienced paralegal; you will have the direct attention and guidance of our celebrated bankruptcy attorney.
Because we avoid a "one size fits all" approach to problem solving, we never immediately assume that filing for bankruptcy is the right choice for each client. Another alternative to bankruptcy may be a better option for your particular circumstance. We'll walk you through your other debt relief options and work together to assess whether or not bankruptcy is the best solution to your debt dilemma.
Debt Settlement May Be the Right Option for You
Several other options may be available to you if you are struggling with overwhelming debt and considering bankruptcy. Debt settlement is the out of court process through which you can work directly with individual creditors to renegotiate the terms of an original loan or credit agreement. Rather than risk losing the entire amount owed, some creditors may agree to accept a smaller one-time lump payment and then close the books on the debt. They also may allow you to pay back what you owe over a longer period of time with lower interest in order to help you get back on your feet and eventually meet the original amount.
If you are considering debt settlement, hire a bankruptcy attorney with negotiation experience who can work with your collectors toward a favorable revision. Negotiation experience is crucial. Many creditors are willing to accept half or even just 20 percent of the original agreement. Our bankruptcy lawyer has helped many people reach acceptable agreements with their collectors by using her negotiation skills and years of experience.
Victimized by Harassing Creditors? Call Us for Help.
Law are in place to protect you from abusive or harassing creditor activity. Creditors are prohibited from a number of actions deemed offensive by the federal government, including harassing phone calls, threats, and sharing your information with unauthorized third parties.
A collections defense lawyer can defend your rights and end the abuse. You should know that you do not have to declare bankruptcy just to end creditor harassment - there is a simpler way. If your creditors have violated your rights under the federal Fair Debt Collection Practices Act, you may be eligible to receive compensatory damages. Consult our firm to find out more.
Hire Our Arlington Debt Settlement Lawyer
If you call our debt settlement fir, we can work with you toward a relief solution that preserves your assets, interests, and dignity. There is no reason to hesitate, because we offer clients an initial free case evaluation in order to orient you and inform you of your options. Take advantage of this opportunity and find out how legal debt relief solutions can protect you and give you the second chance you need. The consult will be confidential and obligation-free.
Free Confidential Consultation
Our goal is to serve each of our clients individually, offering the information and guidance they need to find the right solution for their particular needs and unique situation.
Individual Care for Clients
We are not interested in “cookie-cutter” services. When you work with us, you can depend on direct service from our knowledgeable attorney—not an inexperienced paralegal or legal assistant.
Top-Rated Ethics & Skill
Our firm is dedicated to maintaining the highest ethical and legal standards throughout every case. Our lawyer’s AV® rating is just one testament to how we fulfill this commitment to every client.
30+ Years of Experience
The lawyer who leads our firm has been practicing since 1983. Attorney Marilyn D. Garner understands what you are facing and is intimately familiar with the laws that affect your situation.