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Understanding the Alternatives to Bankruptcy 

If you are struggling to pay the bills, like many Americans, you may be considering filing for bankruptcy. The coronavirus pandemic has hurt millions of Americans financially. Many people think that bankruptcy is their only option, but there are several different alternatives to bankruptcy out there. In some cases, taking a non-bankruptcy option could be the best solution to your financial difficulties. The experienced lawyers at Bankruptcy Law Center can help you determine your best course of action. 

Negotiate With Your Creditors

It is always possible to negotiate with the creditors who are harassing you. If you can sell some of your assets and offer your creditors a lump sum payment that is lower than what you owe, they may accept your offer. Negotiating with creditors will also provide you with some extra time to consider filing for bankruptcy. It is always wise to speak to a lawyer first. At Bankruptcy Law Center, we can help you make sure that your agreement is in writing and that your creditors follow through with their end of the agreement. 

Discuss Your Case with a Credit Counseling Agency

Sometimes people seek help from credit counseling agencies. These agencies can negotiate with your creditors for you. If you do decide to file for Chapter 13 or Chapter 7 Bankruptcy, you will need to take a Credit Counseling Briefing from a counseling agency that is certified before you submit your application. 

Federal law requires this type of counseling with almost no exceptions. If you do not undergo this counseling, your case will be dismissed. Our law firm can recommend certified counseling providers for you. Even if you are not convinced you need to file for bankruptcy, the counseling service session can still help. 

Debt Settlement

If your debt is extremely delinquent, you may be able to engage in debt settlement. In debt management plans, you will need to pay off your entire debt over time. However, during the debt settlement, a portion of your debt will be forgiven by your creditors. Cash savings is one advantage of engaging in debt settlement.

However, your credit report will indicate that your debt was paid for a less than agreed-upon amount, often lowering your credit score. We often recommend speaking with an attorney and tax professional before engaging in debt settlement. You will need to check your tax liability should you settle your debts. Keep in mind that debt settlement companies usually charge extremely high fees. They also offer clients no guarantees that they can succeed in settling their debt. In many cases, it is more advantageous to file for bankruptcy.

Contact Our Experienced Bankruptcy Lawyers Today

Before you consider any of these options, we recommend speaking with an experienced bankruptcy lawyer as soon as possible. At the Bankruptcy Law Center, our Los Angeles bankruptcy lawyers will evaluate your case and help you understand all of your options. If you decide to file for bankruptcy, we will help you through the process. Contact us as soon as possible to schedule your initial consultation.

See What Our Clients Have To Say

Yelp Review

Roger C.

I reached out to BLC to help assist with a chapter 7 business bankruptcy and they provided excellent guidance, advice, and support through the entire process. In my case an adversarial action was filed by one of the creditors and attorney Ahren Tiller and his staff provided sound ...arguments which prevailed. Couldn’t have found a more experienced and supportive team to represent me in a tricky situation. I would highly recommend them to anyone making the difficult but sometime necessary decision to find financial relief. Read more
Yelp Review

Justin R.

Like many others before and during the pandemic, life happenings caused me to be in a financial situation to warrant bankruptcy. The BLC was super professional all the way through the entire process. Right after I paid for my Bankruptcy, I got sick and had to have surgery and recovery. Then we ...were in full Pandemic mode. They were gracious to delay my filing until I was recovered and ready to file. I could not ask for more. The process was over all quick and painless for a simple Bankruptcy like mine. I feel a weight has been lifted and I can rebuild. Thank you for all your arduous work and patience, Gabriel, Ahren, and their teams are knowledgeable and efficient. Read more
Google Review

Katey Huntley

Responsive, friendly, kind, extremely easy to work with! So knowledgeable and made this entire process painless. Very grateful!

Google Review

Lynn Molina

Gabriel Hanna, Esq and the staff at BLC helped me in a very difficult time. I appreciate all the help and care they gave my case.

Google Review

Linda Cramer

I can’t say enough of how much this bankruptcy law firm helped me with my financial situation. They were all so helpful, efficient and made the difficult time and process as quick and easy as possible. I would recommend them to anyone I know and am glad to give my public recommendation as well. T...hey truly deserve a five star plus rating. Read more
Yelp Review

Andrea N.

I am very happy with my experience with BLC. Bankruptcy is not something anyone wants to go through, however everyone at BLC made my experience pleasant and easy. The process was explained thoroughly and I had an easy time reaching out and connecting with my attorney. Anika Renaud-Kim was my attorney ...and she was nothing short of amazing! She was very patient and generous with her time. Ms. Renaud-Kim definitely made me feel at ease and comfortable through the entire process. Read more
Facebook Review

Lidia Paramore

they did a great job for me, helped me anytime I needed something, my Lawyer Gabriel Hanna is the best, gave lots of confidence all the time..thanks BLC I will.always recommend you, I’m very grateful for your service!!!

Yelp Review

Rachael C.

When searching for information I had called a few different firms and received consults. BLC was the only one who didn’t shy away and provided answers and information during the consult. Once I agreed to move forward, they were supportive, informative, and eased my anxiety through the whole process.... I can’t recommend them enough. Read more
Google Review

Emily Martinez

AmazingI had many questions and uncertainties and the carefully explained it all and made it easy to understand. They facilitated a fast and easy process making this scary difficult thing simple

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Legal Disclaimer: The Bankruptcy Law Center is a California Licensed law firm with attorneys licensed in the state of CA, NY. Attorney Ahren Tiller is responsible for this advertisement. Bankruptcy Law Center’s principal office is located at 1230 Columbia st. Suite 850 San Diego, CA 92101. Prior results listed on this site do not depict or in any way infer a prediction or outcome.We are a debt relief agency proudly providing options to people with financial problems. View our Privacy Policy

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