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Alternatives to Bankruptcy

Are you drowning in debt? When a person is in financial trouble, daily life can be a constant struggle to pay for basic living expenses while trying to keep up with mortgage and credit card payments. While filing for bankruptcy has helped many individuals get out of debt, there are alternatives to bankruptcy that can also improve your financial situation, such as:

  • Loan modification
  • Debt negotiation
  • Debt settlement
  • Debt consolidation

A loan modification will change the terms of your mortgage loan such as reducing your monthly payment and interest and possibly eliminating accrued interest. Loan modifications can make it easier to keep up with payments and help prevent the loss of your home through foreclosure. Debt settlement can result in a reduction in the total amount of money you owe a creditor, which is then paid off in installments or one lump sum. The process of debt consolidation involves acquiring one large loan at a lower interest rate to pay off smaller debts.

Remedies like these can not only reduce or eliminate your debt, but will also result in extra income each month that can be applied toward other expenses. Before making any decisions about your finances, contact David Holland Law to discuss your options. Choosing the right debt solution is important. At your free consultation we can discuss the pros and cons of all of your debt relief alternatives so you can make the best decision possible.

Bankruptcy Lawyer in Sarasota and Manatee Counties

David Holland Law can help you effectively address your debt problems. We have helped many clients get back in control of their finances through various types of programs designed to eliminate or reduce debts. Our firm will conduct a thorough review of your finances, and give you reliable advice on how to regain your financial footing. We offer affordable rates and payment plans to accommodate the needs of our clients, and can be relied on to protect your rights and interests when negotiating with creditors and lenders.

Contact us today for informed legal advice if you are looking for alternatives to bankruptcy. We can conduct your free consultation over the phone, in our main office in Bradenton, or by appointment in Sarasota or Venice.

Contact Us Today!

At David Holland Law we focus on Consumer Bankruptcy and Debt Defense. We proudly serve Manatee and Sarasota Counties. We offer free phone or in-office consultations in Bradenton, Sarasota, Lakewood Ranch and Port Charlotte. Contact us through the form on this page or call us at (941) 744-5450 to speak with an experienced bankruptcy and debt defense attorney today. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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