Durham Consumer Bankruptcy Lawyer
You strive to work your way out of debt, but sometimes it's not possible. If you cannot pay off your debt and struggle to make ends meet, you may want to consider personal bankruptcy. I am attorney Ruben Fernandez. From my office in Durham, I help individuals and families throughout North Carolina find debt relief.
Guiding You Through Financial Transition
Contact the Law Office of Ruben Fernandez
Unexpected expenses add to mounting debt, including medical bills from surgery or an auto accident. Ballooning mortgages, such as the 5-year ARM where adjustable interest rates skyrocket, add to the problem. If you've been laid off from your job, divorced, suffered a death in the family, or have a large legal judgment against you, you may find yourself unable to make ends meet.
The ultimate decision to file bankruptcy goes beyond poor financial management. In most cases, the decision to file bankruptcy comes from a few specific events that you could not have predicted. But bankruptcy is not about where you have been, but where you are going. The decision you make should be the best decision for your future.
A creditor can take everything to make good on debt and leave you unable to get to work, feed your family, or meet basic living expenses. The underlying policy of bankruptcy in the United States is to prevent this from happening.
If you decide to file bankruptcy I will move quickly so you will receive the protection of an automatic stay. From the moment you file for chapter 7 or chapter 13 bankruptcy, you can put an end to creditor harassment and stop any attempts to seize your property or foreclose on your home.
I help individuals file for chapter 7 and chapter 13 debt relief. I will take a close look at your financial situation and I will help you find the best option for your family during this difficult time.
Located two blocks from the Durham County Courthouse and the Bankruptcy Court, my office is open weekdays from nine to five. I also offer weekend and evening appointments. Credit cards are accepted. Contact me today for more information about whether bankruptcy is right for you.
