Having an Attorney on Your Side

Irvine Bankruptcy Attorney

When a person is overwhelmed by crushing debts, the thought of spending more money to hire an attorney may not seem like the correct thing to do. There are more than legal fees to consider here. Debt problems can take their toll on a person's emotional and mental well-being. They can cause strain to a marriage and stress within families.

There are many alternatives to bankruptcy for debt difficulties that a person may not be aware of or fully understand. An Irvine bankruptcy attorney from the Law Offices of Arthur R. Hausmann offers a free initial consultation to discuss all possible solutions to resolve debt problems, including bankruptcy. The firm also works with clients in Huntington Beach, Costa Mesa, Anaheim, and Santa Ana.

How an Attorney Can Help

There are many reasons why a person should consider having an attorney on their side:

Once an attorney is hired, a debt collector can no longer contact the debtor directly and must only contact their attorney. This will stop the debtor from being harassed.
Many debt collectors disregard or are ignorant about collection laws and debtor's rights. If a debt collector violates the debtor's legal rights, they may be forced to compensate them for those violations. Having a lawyer in one's corner can help with this process.
In the event that a creditor wants to file a lawsuit, an attorney can provide needed legal advice.
An attorney can negotiate a lump sum settlement for debts that is much lower than the total amount owed, including penalties and interest. In most cases an attorney can negotiate a better settlement than the individual would be able to do on their own.
If bankruptcy is chosen as a debt solution, an attorney has the legal expertise to guide one through this complex process without making mistakes that could prevent the final discharge of debts. He knows exactly what to say to the courts, the trustee, and creditors who demand answers to questions about one's finances.
Debt consolidation and credit repair companies are not allowed to provide legal advice. Only an attorney can make sure his client's legal rights and interests are protected.

Contact an Irvine Bankruptcy Lawyer today for advice and advocacy for debt problems.