Many people are afraid of what a bankruptcy filing will do to their credit rating. Although they face massive credit card debt, late charges, accrual of interest, and fees, they try to manage the situation-but they really can’t. At a certain point, financial problems are just too overwhelming to get out from under without professional help.

If you’re ready to look at your options and to get the facts about bankruptcy, contact the bankruptcy attorneys at Damon, Ver Merris, Boyko & Witte, PLC. We can help you understand your options for getting out of debt and back on your feet financially.

Non-Bankruptcy Options

At Damon, Ver Merris, Boyko & Witte, PLC, we don’t automatically assume that bankruptcy is your only or best option. Your financial situation and life circumstances are unique so we take time to understand your situation so we can advise you on all the viable options available to you, including non-bankruptcy and work-out options. Our bankruptcy lawyers may be able to negotiate with your creditors to get you on installment payments, reduce the amount you owe, reduce your interest rate(s), or possibly eliminate a second mortgage on your home. Let us look at your situation and see what we can do.

Honest Advice, Realistic Legal Help

If you simply do not have enough income to pay back even a small amount of debt because of a job loss or medical problems, Chapter 7 bankruptcy may be the better choice for you. Learn more about Chapter 7. You do not need to struggle with overwhelming debt. Talk with an experienced bankruptcy lawyer at Damon, Ver Merris, Boyko & Witte, PLC today. Get honest, straightforward advice about all your options. You can begin the process of rebuilding your credit rating and your financial life.