Bankruptcy is not a one-size-fits-all approach to solving your debt problems. If filing bankruptcy is not the best option for you and your family, I will never push you in that direction. Some debtors may have non-exempt property that could be at risk in a bankruptcy filing, while others may find the prospect of paying their debt back over a 3-5 period unnerving. The Sisk Law Firm offers a non-bankruptcy debt relief program for clients who would prefer to negotiate the repayment of their debt to filing a bankruptcy case.

Falling behind on debts like student loans or credit cards can lead to the filing of a lawsuit against you, which may ultimately result in wage garnishments, judicial liens, and even foreclosures. I have extensive experience negotiating debt settlements with many types of creditors, allowing you to avoid these consequences and settle your debts at a fraction of the balance owed.

Debt settlement options may offer you the opportunity to avoid litigation while substantially reducing the amount paid back to creditors. Most importantly, this option may prevent having to file bankruptcy while still achieving a fresh start.

Let me use my substantial settlement experience to negotiate your debt down to a fraction of the balance. Contact me today for a free consultation to discuss your full options moving forward.