You have worked hard to raise your children and provide a stable home for your family. Unfortunately, sometimes circumstances beyond your control threaten your family’s financial security. Unexpected situations, like illnesses or employment problems, might have forced you to deplete your savings and rely on credit cards just to get by. Now creditors hound you and threaten to repossess your car, foreclose on your home, and garnish your wages. All of these things can make you feel hopeless.
We can help. If you live in West Virginia, Ohio, or Kentucky, and your financial situation has reached a boiling point, you have options. Contact Vital & Vital for a free consultation to discuss your situation and to regain control of your financial situation and your future.
Chapter 7 - Say Goodbye to Debt
You are not alone, everybody fears consumer bankruptcy. Let our attorneys help you ease your worries by filing a Chapter 7 Bankruptcy for you. Usually, Chapter 7 Bankruptcy is the best step to financial recovery and a fresh start. When you declare Chapter 7 Bankruptcy, in most cases, your unsecured debt is discharged and you are able to keep certain exempt property. In many cases, after filing Chapter 7 Bankruptcy, we can help people keep all of their assets.
Chapter 13 - Consolidation, Not Liquidation
Chapter 13 Bankruptcies are unlike Chapter 7 Bankruptcies. In Chapter 13 Bankruptcies, debtors have the ability to reorganize and consolidate their debt which can be satisfied by manageable payments. Under a Chapter 13 Bankruptcy, our attorneys will analyze your debt, assets, and income to determine if a Chapter 13 Bankruptcy is an option for you. If you are eligible for a Chapter 13 Bankruptcy, you usually have the option to restructure your debt in a manner which allows you to repay the debt over a term of five years. Debt repayment in this manner brings immediate relief to you by stopping foreclosures and ending harassing phone calls from creditors.
End Your Frustration and Make a Fresh Start
We understand the frustration that you are going through. Threats from creditors and endless phone calls only add to your feelings of despair. There is a light at the end of the tunnel. The attorneys at Vital & Vital can help you today. Our attorneys can help you emerge from debt and put you on the track to creditworthiness. Let us help you and your family escape the cycle of debt and the desperation that harassing creditors cause.