Sterling Heights Bankruptcy Lawyer

Money problems can happen to anyone. Unexpected circumstances may leave you living on less or facing major increases in the amount you owe creditors. Unfortunately, high-interest rates only make the problem worse. Falling behind even a month in your payments results in steep penalty fees and harassing phone calls from credit collectors. If this sounds familiar, know that help is available. Sterling Heights bankruptcy lawyer Karen E. Evangelista can help you regain control of the situation.   

Outstanding Debt a Common Problem

Most of us use credit cards and loans to purchase the items we want and need. Cars, furniture, personal belongings, and daily expenses can add up to significant amounts of money. Add in housing costs, utility bills, taxes, student loans, and medical expenses, and it is easy to understand how people get in over their heads. 

As an experienced Sterling Heights bankruptcy lawyer, Karen E. Evangelista provides the help you need when struggling to keep up with your bills. Bankruptcy was established as a way to give honest people a fresh start financially. It alleviates the past due balances, high-interest rates, and penalty fees that prevent you from ever paying off your debts. It also puts an immediate stop to credit collection calls that harass you day and night, taking a toll on your mental health and well-being. 

According to the US Courts, more than 13 million people file for bankruptcy each year. Among the common reasons people file for bankruptcy include: 

• The illness or death of the primary breadwinner in the family;
• Job losses and reduction in income;
• Personal issues, such as a divorce or caring for an aging family member;
• Accidental injuries and health conditions that result in significant medical bills;
• Outstanding tax debts;
• High monthly payments for student loans. 

How a Bankruptcy Lawyer Can Help

Karen E. Evangelista has more than 31 years of experience as a bankruptcy lawyer in Sterling Heights. She can guide you in the steps needed to eliminate debt and regain your financial security. In our area, a bankruptcy petition may be filed with the Eastern District of Michigan Bankruptcy Court.  The minute it is filed, credit collection agencies no longer have the right to contact you. All of the various debts you owe will be included in this filing. Depending on the circumstances, common types of debt that may be eliminated through bankruptcy include: 

• Credit card debts;
• Car loans;
• Personal loans from people you know;
• Past due rent and utility bills;
• Medical expenses;
• Balances remaining from items that were repossessed;
• Past taxes and penalties;
• Civil court judgments. 

Contact Our Sterling Heights Bankruptcy Lawyer

Find out how Sterling Heights bankruptcy lawyer Karen E. Evangelista can help you eliminate your debts. To schedule a consultation, contact our office today.