Regain Your Financial Freedom
In the current economy, many people who once had financially stable lives are now struggling to make ends meet. Debt, foreclosure and creditor harassment are unfortunate realities for people who were once living comfortably. I am attorney Chad Schaff, and I work with clients throughout Southwest Washington and the Portland Metro Area to help find the debt relief they have been waiting for.
Contact me online or call 360-326-4634 to schedule an appointment.
Chapter 7 bankruptcy: Also known as a liquidation of assets, in Chapter 7 bankruptcy you may fully discharge certain debts in exchange for the sale of some of your assets. Although some debts — such as taxes, student loans and child support — cannot be discharged, most debt is discharged when you file.
Chapter 13 bankruptcy: Sometimes called the wage earner's plan, Chapter 13 is an opportunity to restructure your debt. When you file, you agree to restructure your debt, repaying creditors over a period of three to five years. If you pay the debt according to the repayment plan, at the end of the agreement, your remaining debts will be discharged.
Repossession and foreclosure: If you are several months behind on your mortgage payments, and the bank is threatening to foreclose or repossess your home, it is important to work with an attorney who can help you understand your options. I work closely with clients, explaining the options available (keeping or leaving your home) and the possible ramifications of each choice.
Garnishments, judgments and liens: Many people know that their money can be taken garnished if they owe others money, but few people realize what the process entails. I work with clients to help protect their money and stop garnishments from unfairly taking more than what is due.
If you are struggling with your finances, an experienced lawyer can help you find debt relief and put an end to the creditor harassment. Contact me online or call 360-326-4634 to schedule your appointment. Together, we can help you get the fresh financial start you have been waiting for.