Bankruptcy Lawyer Waterford CT: Ch.7 & Ch. 13

Debt can ruin lives. Just because you fell behind on a credit card or mortgage payment due to financial hardships shouldn't mean the end of the world. Almost everyone runs into money problems at some point in their lives and if you find yourself in a situation where it seems you'll never be able to pay your way out it's time to seek professional help. Experienced bankruptcy attorney Chris Carrozzella has been helping individuals in Connecticut get out of debt by filing Ch. 7 and Ch. 13 bankruptcies and if you have reached the end of your rope make the call that could change your life.

Filing for Bankruptcy

One of the biggest hurdles to filing a bankruptcy is admitting you need help. Even when people are six figures in debt they refuse to admit they are in over their head and only proceed to make matters worse. Taking out second mortgages, applying for more credit cards and only making the minimum payments on existing debt is a sure way to dig your financial hole even deeper. It's usually when a foreclosure sign goes up on their property or a car is repossessed that people start to see the light. Debts don't just magically disappear. Even if you forget the collection agencies won't and the sooner you take control the sooner you'll be on solid financial ground.

Debt Relief

When you are in debt it's very easy for banks and collection agencies to bully you. They will call your home at all hours of the day, tell you your house and car are about to be taken from you and that you also face a number of extra fees and overcharges that may not even exist. They know you are in a panic and their goal is to get you to pay them as quickly as possible. However, being in debt isn't a crime as long as you take steps to remedy the situation. Filing for a Ch. 7 or Ch. 13 bankruptcy in Connecticut can put an end to collection calls and keep your house and car safe from foreclosure and repossession. Don't let collectors scare you into making payments you don't have to. Contact Chris Carrozzella today for a free consultation that can help with debt management and get you on the road to financial freedom.