The time to act is now

Over a million Americans file for bankruptcy every year. Whether you fell behind on your bills after losing a job or were hit with huge medical costs after a serious illness, you are not alone (although we know it might feel that way).

It’s natural to dwell on the circumstances that led you here. You may wonder what you could have done differently. However, the more important question isn’t about how you got here, but, instead, what are you going to do today? Interest and penalties can increase with each passing day. Getting professional help now leaves you with more choices in the future.

Know your options with Irina S. Puhachevsky, Bankruptcy attorney

Personal bankruptcy offers two options: Chapter 7 and Chapter 13. Chapter 7 discharges most of your debts, while Chapter 13 sets up a repayment plan over time that eventually pays off all your creditors. Determining what’s best depends on the type of debts that you have, the assets you’d like to keep, and your income situation.

Filing for bankruptcy can help if you’re facing:

  • Foreclosure
  • Wage garnishment
  • Auto repossession
  • Collections

A new beginning

Make no mistake; bankruptcy does carry serious consequences. However, it can also be a beginning rather than an ending, a way to get your financial house in order. Contact us today to see if Chapter 7 or Chapter 13 is right for you, and whether you can avoid bankruptcy altogether. At the Law Office of Irina S. Puhachevsky, we have over seven years of experience helping people just like you rebuild their lives.

Contact Irina S. Puhachevsky, Experienced Bankruptcy Lawyer

Emerge from the bankruptcy process with your dignity intact. Call us today at 415-300-0411 for an appointment.