Warren Bankruptcy Attorney

Overwhelmed With Debt? Our Warren Bankruptcy Attorney Can Help

Even those who previously had a high credit score and made a point of paying debts on time can suffer setbacks which land them in trouble financially. At the office of Karen E. Evangelista, P.C., we know how unexpected circumstances can come up, leaving you behind in making payments.

Unfortunately, debt collection agencies have one job, and that is to harass you into paying, often by any means possible. For over 30 years, our Warren, Michigan bankruptcy attorney has guided residents of Macomb County in these situations, helping them get the fresh start they need to get back on track financially.

When Bankruptcy Is the Best Option

It is important to realize that you are not alone when struggling with debts, and that there are services available to help you. Through the United States Courts, bankruptcy is a tool to help honest debtors get back on their feet, after failed business ventures, job losses, or injuries and illnesses threaten their financial security.

Warren bankruptcy attorney Karen E. Evangelista has been working with clients for over three decades, and understands the serious issues that arise when you fall behind in making payments. Bankruptcy may help avoid any of the following:

• Foreclosure on your home or other property;
• Repossession of furnishing, cars, and other personal belongings;
• Legal actions, such as court judgements, liens, and levies;
• Harassment from credit collection agencies, and further damage to your credit score.

One of the myths about bankruptcy is that it will do irreparable damage to your credit rating. The fact is, dealing with the situation by filing for bankruptcy is generally preferable than allowing your debts to go unpaid.

Get the Professional Legal Guidance You Need from Our Warren Bankruptcy Attorney

For residents of Warren and other areas throughout Macomb County, bankruptcy proceedings are filed through the Eastern District of Michigan branch of the U.S. Bankruptcy Court. Before filing your petition, our bankruptcy attorney will work with you, reviewing your debts and assets to determine the type of bankruptcy that best suits your needs:

• Chapter 7 Bankruptcy: This involves liquidating assets to settle certain debts, while others are discharged or eliminated by the court.
• Chapter 11 Bankruptcy: This involves a reorganization of debts for business owners, allowing them to remain in business and make payments to creditors.
• Chapter 13 Bankruptcy: This allows individuals with steady income and businesses to renegotiate payments on belongings, such as homes and cars, while having other debts discharged.

At the office of Karen E. Evangelista, P.C., we can help you determine which option is best for your situation. Call or contact our Warren bankruptcy attorney online to request a free consultation today.