Helping With Your Financial Future

Exploring Your Debt Relief Options

When you find yourself deep in a financial hole, it is good to know that debt relief options are available. If you are considering filing for bankruptcy, the legal team at The Law Office of Judith A. Descalso can help you or your business get on the path to a brighter financial future.

We Can Help Address All Forms Of Debt

Our attorney is a certified bankruptcy specialist with more than 25 years of legal experience. We use our skill and knowledge to help individuals and small businesses facing a wide range of debt-related issues, including those involving:

Credit card debts: Most credit card debt can be discharged through bankruptcy. Many people have concerns that taking this path will result in a poor credit record from which they will never recover. The reality is if you have accumulated debt on your credit card, your credit rating is already suffering. Discharging this debt enables you to begin rebuilding your credit score.

Secured vs. unsecured debt: In general, unsecured debt such as credit card debt, medical bills and personal loans can be discharged through bankruptcy. Secured debt, such as a mortgage or car loans, cannot be discharged. We can help identify secured and unsecured debts and help explore your options for relief.

Home foreclosure: A mortgage foreclosure is not a foregone conclusion if you have fallen behind in your payments. Filing for bankruptcy can discharge other debt and help give you the time you need to continue making timely payments on your home.

While bankruptcy is usually the most effective means of debt relief, there are alternatives to bankruptcy, such as debt consolidation, that may be a better option for you. We will thoroughly examine your situation and help you determine the choice that will best help you achieve your goals.

Contact Our Lawyer For A Free Initial Consultation

You do not have to feel overwhelmed by debt. We can help. To schedule a consultation, call our law office in Escondido at 760-670-4863. You may also contact us online.

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