Bankruptcy Alternatives Find Your Path to Financial Freedom

Bankruptcy Alternatives in Southbury

Helping You Get Out of Debt without Bankruptcy

Sometimes a person's financial situation can start to spin out of control even if they are working hard and spending wisely. When buried under debt, many people opt to file for either Chapter 7 or Chapter 13 bankruptcy. However, this option is not right for everyone. That is why at LaRese Law, our lawyers offer a range of bankruptcy alternatives.

Negotiating with Your Creditors

For some people, Bankruptcy is not the right answer. In those cases, we can work individually with each of your creditors to highlight your financial hardship to explore alternatives. Assistance is available if you are still current with your debt, have defaulted already, or have been sued with a potential judgment, wage garnishment and/or bank account execution. Its very important to seek advice from us early on, especially if you are in default already – not only to prevent any future adverse collection activity, but also to protect your rights under any abusive collection practice remedies.

Beware Debt Consolidation Companies

We strongly encourage you to stay away from companies offering debt consolidation programs. Most are unscrupulous, and take astronomical fees while providing no actual representation. We have seen countless clients shell out thousands of dollars and end up with the following when they though they were protected:

  • Lawsuits
  • Judgments
  • Bank account executions
  • Wage garnishments

How can a National company be intimately familiar with specific Connecticut laws and keep current with the changing legal landscape? The answer is they can't. This is not the same as debt settlement or negotiating with your creditors, as mentioned above. We strongly encourage you to stay away from companies offering debt consolidation programs.

Debt consolidation can take many forms, including:

  • Debt consolidation loans – By obtaining a loan to pay off your current creditors, you can then have only one lender to pay each month. While it might sound appealing to have only one loan payment to worry about, often interest rates for these loans are higher which can actually make your financial situation worse.
  • Low-interest credit cards – This involves transferring your current credit card debt to a new card with a lower interest rate. The unfortunate part of these offers is that the duration of the terms only last for a limited period of time. After the low-rate period ends, the rates might skyrocket, and you could end up paying more than you would have originally.

To discover how we can help you get relief from your debt without bankruptcy, call (203) 556-9709 today.

Compassionate & Dedicated Meet Your Team

My name is Jennifer LaRese. I founded LaRese Law in 2008, currently handling bankruptcy, short sales, foreclosure defense, and a range of other debt relief options for clients throughout Connecticut. If you are facing debt problems, do not fret any longer. The sooner you call me, the sooner I can help you get back on your feet.

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What Sets Us Apart

  • Diverse Solutions Available
    Sometimes filing bankruptcy isn't the answer. Our attorneys can properly evaluate your case and determine the best solution that meets your needs.
  • Focused Practice
    You won't need to worry about our attorneys getting distracted with other practice areas – we only provide debt services to stay on top of the current trends in case law and creditor actions.
  • 15+ Years of Experience
    With over a decade of experience, our attorneys have the knowledge and skills necessary to get the results you deserve.
  • Client-Focused Representation
    We understand that this is a difficult time for you. Our attorneys are committed to open communication and serving our clients' best interests.