Joseph Grima | Attorney

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Is There a Way Out? Find Out if Bankruptcy is the Right Alternative For You

You Do Not Have to Deal With This Alone

At some point in nearly everyone’s life, there comes a time when they face a financial crisis. Sometimes, you can pull together the resources to weather it through. But unfortunately, in our present economy, more and more people are finding themselves facing straitened financial circumstances that they cannot manage, and which they never thought they would have to deal with.

For many people, only a few years ago, the thought of having to even consider personal bankruptcy seemed like a problem that happened only to “other” people—people who had an unusual run of ill luck, for example, or those who had neglected to address their financial security. But today’s reality has sharpened our awareness that even financial security is not as secure as it should be, because personal financial health has become so dependent upon outside market events.

Perhaps you or your spouse lost a job like millions of other Americans, or you had to take a lower paying job—while your bills stayed the same or went up. Perhaps your house lost most of its equity, freezing up your ability to obtain low interest credit when you needed it, or preventing you from being able to refinance your home. Maybe your retirement accounts and other investments lost value, causing you to lose passive income that you depended upon—or that you planned to depend upon in your retirement. Or perhaps you experienced an unusual difficulty—a medical bill, for example, or a child’s college tuition—that forced you to go higher into debt.

These types of things may be easy to plan for or cope with in a reliable economic climate, with more secure employment, a steady income, and prospects for promotions or raises. But under the current downturn, it is easy to find yourself taken by surprise at just how unmanageable your debt situation truly is.

Take Control of Your Financial Future

Bankruptcy can be one way to restructure your financial situation. While bankruptcy may not be the ideal solution to everyone’s financial difficulties, it does offer you the ability to restructure and/or discharge your debt and give you an opportunity to start over with a clean slate.

Although bankruptcy may have negative repercussions on your ability to obtain credit moving forward, many people find that the time it takes to rebuild a good credit history is not as long as they imagined. But more importantly, they find the burdens of rebuilding a good credit history from the ground up is much less stressful than trying to cope with unmanageable debt. The reality is that, for many people, their good credit and their financial standing will actually suffer more by trying to manage an unmanageable situation.

We Can Help You Evaluate Your Options

Before you make any decisions—and more importantly, before your creditors back you into a corner—contact a qualified, experienced bankruptcy attorney to find out exactly what bankruptcy can do for you, and what type of bankruptcy filing may meet your needs.

Michigan bankruptcy attorney Joseph L. Grima will meet with you directly and personally, at no risk or cost. We offer:

Unlimited free consultations;
Personal service;
No hidden fees;
100% of the agreement right up front.
While some people try to handle their bankruptcy filings on their own, they often miss important requirements or make mistakes that end up hurting them in the long run. Don’t risk it.

Not only can we explain to you the bankruptcy process and the legal requirements for the different types of filings, but we can also personally advise you about your specific situation—how long it takes, what assets you can protect, what the repercussions are on various debt holdings—so that you know exactly what to expect. When you work with experienced bankruptcy attorney Joseph L. Grima, you’ll have peace of mind knowing that the legal advice and assistance we provide will enable you to successfully achieve the results you want.

For a free, no obligation consultation on whether bankruptcy can free you from the stress and worry of your financial predicament, contact attorney Joseph L. Grima