Non-Bankruptcy Options to Get Out of Debt!

There are hundreds of companies on the internet that claim that they can solve your debt problems without bankruptcy. We have counseled many people who have used these companies. Some of them are just scams. Others say they can help, but can’t.

The idea of debt settlement, however, is a good one. It stops creditor harassment and gets you out of debt without filing bankruptcy. To do it right, however, you need a lawyer. The companies that advertise on TV and the radio aren’t lawyers and so they are powerless to protect their customers from their creditors. As a law firm, we know what your legal rights are and how to protect them. If your creditors violate the law, we take them to court.

End Creditor Harassment. Once you hire our firm, you begin referring your creditors to our office. We immediately send all of your creditors a letter instructing them not to contact you. We deal with your creditors. We know what your creditors can and cannot do, and we are not shy about enforcing your rights.

Level the Playing Field. When you're dealing with your creditors on your own, you're at a tremendous disadvantage. You legitimately owe the debt, but you can' pay it. Your creditors hold all the cards. They can harass you, sue you, seize your wages, and freeze your bank account. Your creditors have more resources than you and probably know your rights better than you do. In addition, many debt collectors are bullies. They know they are in a superior position and they use it to make your life miserable. Instead of arguing with these thugs, wouldn't it be nice to say “Call my lawyer.” When you bring us in, that's exactly what you say. We'll talk to your creditors for you.

The Selbach Law Firm’s one-of-a-kind program will help you stop the creditor harassment and get you out of debt without bankruptcy.

Debt Settlement
We've all heard the commercials from the telemarketers that claim they can reduce your debtand stop creditor harassment. They claim to know “the secret” your creditors don't want you toknow. The real secret, however, is that most of these are scams and they just can't and won't do what they claim. They will take your money and leave you in a worse position. Avoid them like the plague.The idea, however, of settling your debt outside of bankruptcy is a good one if it's done properly by an experienced lawyer. If you prefer a non-bankruptcy solution, we can draft a plan designed personally for you.

Mortgage Loan Modification
Unfortunately, for every crisis there are people out there looking to take advantage of others in desperate times. There are now thousands of “mortgage rescue” companies who are preying on people in foreclosure. Our website also goes into detail about these scams. Again, stay away from these rip off artists. At the same time, negotiating with your mortgage company through your attorney can often save your home without Chapter 13 bankruptcy. We can represent you in an application to modify your mortgage loan. After meeting with one of our experienced attorneys, you can decide if this option is for you.

Attorney Consultation
As do all bankruptcy attorneys, we offer a free consultation with one of our lawyers. Unlike other bankruptcy attorneys, we will explore all your options, bankruptcy and non-bankruptcy. We believe that you will greatly benefit from our vast experience in this area.

Get the real facts and know your options. There is a solution for you.

Call us today and we can help!

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“You can help yourself get out of debt with managable payments and legally stop creditor harassment.”

*Under federal law we are considered to be a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.