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You can find yourself in economic difficulties for a variety of reasons – loss of job, catastrophic illness to yourself or a family member, an accident that keeps you out of work, divorce and its obligations.  Unfortunately, your financial responsibilities are not put on hold when things go wrong.

Is bankruptcy the answer? Sometimes, yes; sometimes, no.  In some cases, credit counseling may provide a solution.  In other cases, debt consolidation.  If you are dealing with a high interest, adjustable rate mortgage which is throwing your monthly budget out of synch, then you may need a mortgage modification.  But, remember, in each of these cases, you must get the consent of your creditors or lender.

Filing bankruptcy does not require creditor consent.  It allows the consumer to have a say in his or her financial future within the parameters of the bankruptcy law.

Kevin Hanly has been advising consumers and the small business community in northern New Jersey concerning their financial problems for close to 30 years.  He knows that a “one size fits all” approach does not work.  Mr. Hanly will listen to you, analyze your situation, and develop a plan of action which works best for you or your business.

If bankruptcy is the answer, Kevin Hanly will advice you about:

• which type of bankruptcy is best for you
• how to avoid harassing telephone calls
• how to end wage garnishment
• how to keep most, if not all, of your assets
• how to avoid certain judgments and liens
• how do deal with the IRS and other taxing authorities
• how to discharge your debts and get a fresh start.

Click here to see bankruptcy videos.

Let’s face it.  You are not searching bankruptcy websites because life is wonderful.  You are having real financial problems and are looking for a solution.  You could continue to surf the net or you could decide that it is time to take action- for you and your family.  For a Free Report, click here.  To set up a consultation, fill in the contact information above.  Kevin Hanly will get back to you personally.

The law firm of Kevin Hanly, Esq., LLC is a debt relief agency that assists people in filing for bankruptcy relief under the federal Bankruptcy Code.