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When debt adds up, knowing where to turn isn’t always easy. For many people seeking relief from debt, bankruptcy sometimes appears to be the only option. However, depending on your circumstances, other options may be better suited for you.

For example, you may want to consider some of these bankruptcy alternatives:

  • Negotiate with creditors: One option is to contact your creditors and attempt to work out a payment plan. After all, creditors want their money back — not for your debt to them to be discharged. Negotiating with creditors is an alternative to bankruptcy if you have a steady income or have property you would like to sell. An experienced lawyer can help you properly negotiate with your creditors.
  • Seek help from a credit counseling agency: Many people find themselves in over their head with debt simply because they are inexperienced in managing their finances. A credit counseling agency can explain some of the responsible methods for handling credit.
  • Do nothing: Depending on your situation, your best option may be to do nothing. If you live a relatively simple life and have little or no income or assets but have a large amount of debt, this alternative may be appropriate for you.

Every bankruptcy case is different. While some people may need to file for Chapter 7, others may simply need help negotiating with creditors. If you are considering bankruptcy, seek help from a knowledgeable attorney. He or she can review your case and determine if declaring bankruptcy is in your best interests.

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    12029 Whitmarsh Lane
    Tampa, Florida 33626
    Phone: 813-490-5211
    Fax: 813-441-8953
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    Tampa, Florida 33602
    Phone: 813-490-5211
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