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Non-Bankruptcy Options and Alternatives

One of the first things clients ask when they come to our office is, can I avoid filing for bankruptcy? At The Law Offices of Ronald I. Chorches, we take a more personalized and comprehensive approach to helping our clients. We help clients throughout Hartford and New Haven utilize debt relief solutions that truly help them find financial freedom and help them get a fresh start.

What Are Your Options?

Before a person decides to declare bankruptcy, they may be also considering their other options through debt settlement or debt consolidation. Debt consolidation generally involves consolidating all your debts into one lump-sum payment and debt settlement involves negotiating an agreement on a reduced balance with a payment in full.

Bankruptcy is an option, but depending on your circumstances, you may be able to negotiate a debt settlement plan. As your attorneys, we can negotiate directly with your creditors. They know that you are considering bankruptcy if you have engaged an attorney. This will give them added incentive to:

  • Reduce the amount of money you owe
  • Lower or eliminate the interest on your debt
  • Eliminate all late fees and penalties

With more than 20 years of experience building a solid knowledge base regarding bankruptcy and other debt relief alternatives, we are able to help you find an option that will work best for your situation. There are also other options available for avoiding foreclosure and stopping creditor harassment. Whatever your situation, we will do more than just help you find a solution: We will help you find the best solution.

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If your debt would become manageable through a workout, this may be an option for you.

Our Process

We’ll work with you to determine your potential eligibility for a Chapter 7 or Chapter 13 bankruptcy and consider whether there is any way to help you avoid bankruptcy. We will provide you with solid debt-counseling and debt-settlement solutions that could reduce your debt totals while staying outside of the bankruptcy process.

Get In Touch Wish Us

For a free, confidential consultation regarding debt reorganization and other non-bankruptcy options, contact us online or call us at 860-563-3955. We have offices in Wethersfield and Winsted, and are easily reachable from the cities of Hartford, West Hartford, East Hartford and Manchester.