Credit Counseling And Debt Negotiation

Debt Relief And Negotiation Lawyer Offering Debt Relief Options

It is important to explore other debt relief options before filing for bankruptcy. However, you must be very wary of credit counseling and debt consolidation deals that seem "too good to be true." The simple truth is this: If it seems too good to be true, then it probably is.

At the Livonia, Michigan, law firm of Charles J. Schneider, P.C., we have provided high-quality bankruptcy representation to individuals, families and businesses throughout the Detroit area since 1977. Our attorneys have the experience and knowledge needed to clearly explain your options, address your concerns and answer your questions. When you retain our firm, you can trust in our counsel and never worry about hidden fees or other dubious practices.

Contact us online or at 734-237-1523 to schedule an appointment with a Michigan credit counseling lawyer. We understand times are tough and offer a free initial consultation.

Credit Counseling Requirements And Bankruptcy

Before an individual can file for bankruptcy, he or she will need to secure a certificate verifying participation in credit counseling from an approved credit counseling agency. The required credit counseling session can be performed over the telephone or online, and will address both your debt and your budget.

Certain credit or debt counseling companies may try to offer more than just the certificate you are seeking. They may offer you a sales pitch, attempting to convince you to try costly credit counseling and debt consolidation services that may or may not work. These services might not even cover all of your creditors. When facing desperate financial circumstances, the last thing you need is more debt.

Don't sign up for one of these so-called debt negotiation companies before you learn from our law firm what kinds of debt relief and debt negotiation you may qualify for via Chapter 7 or Chapter 13 bankruptcy.

Question: What do phone sex and mortgage servicing have in common?
Answer: "They both cost $9.99 a minute!"
- University of Iowa Law Professor Katie Porter

We Are On Your Side

At the law firm of Charles J. Schneider, P.C., we are on your side, working to protect your financial interests. We will guide you through the entire debt relief process and help you locate an approved credit counseling agency. Whether you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy, you can count on us to provide sound representation aimed at helping you make a fresh start.

Contact our law firm online or call 734-237-1523 to schedule a free initial consultation to discuss how we can assist you with debt relief.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.