Debt Relief

Usually, once you are in over your head there are only three ways your debts can go away. Either your creditors will forgive your debts (not likely), or somebody will pay off your debts for you, or you file for bankruptcy.

Most people have an aversion to filing for bankruptcy as they somehow think that they are doing something wrong by filing for bankruptcy. The important thing to remember is that when your creditors loaned you money, they did not do so out of the goodness of their hearts. They loaned you money simply because they could make a profit. In other words, they made a BUSINESS DECISION to loan you money. When you file for bankruptcy, you are simply making a BUSINESS DECISION that you can no longer afford to pay your debts, just as your creditors made a business decision when they gave you the loans. Bankruptcy is a business decision, not a morality play.

If you have struggled to pay your debts, but to no avail, give the Law Offices of Joseph L. Grima & Associates, P.C. a call. All consultations are for free. All consultations are confidential. Our attorneys will explain how bankruptcy works and whether it does in fact make sense for you to file for bankruptcy. You are under no pressure or obligation to hire our attorneys just because you take advantage of the free consultation.

Determining what to do depends on your level of debt, your level of discipline, and your prospects for the future. If you are facing financial difficulties, contact Joseph L. Grima & Associates P.C. today to explore your options.