What’s The Most Effective Way For You To Get Out Of Debt?
Debt happens. In fact, most of the people around you are in debt to one extent or another. Credit cards, student loans, mortgages and car loans are a way of life for just about everyone here in the Syracuse and White Plains area. Your neighbors, friends, relatives and colleagues are all swimming in a toxic pool of debt.
Some people are able to get through debt problems and climb out of the hole. You’ve probably done it once or twice, too. You miss a payment and catch up the next month. It’s completely normal.
But if you’re one of the thousands of Onondaga and Westchester County residents who have been the victim of rising unemployment or a drastic chance in your personal life, you know it’s not as simple as cutting an extra check or two to make up the shortfall.
Your retirement account is bone dry, so there’s no more money left to pay credit cards.
Your home has lost so much value that you can’t possibly refinance and get a better mortgage.
The bill collectors are lining up for their pound of flesh but there’s nothing left.
Syracuse and White Plains Airwaves Are Flooded With Bad Information
They say opinions are cheap – everyone can have one. And if you’re watching the Syracuse and White Plains TV stations or listening to any radio station covering Onondaga and Westchester County, you know what I mean. In fact, it seems as if every 5 minutes there’s another ad for some sort of debt relief. Credit counseling, debt settlement, refinance, bankruptcy – you name it, someone’s hawking it.
But you’re too smart to get sucked into the hype. You want to get the facts before you make any decision that’s going to impact your personal financial situation.
Good thing, too. Because bankruptcy may or may not be a good choice for you. Not everyone in Syracuse and White Plains is going to get benefit from filing for bankruptcy. Some families who live in Onondaga and Westchester County are going to do well by filing for Chapter 7 bankruptcy, others for Chapter 13.
Your Unique Situation Demands A Personalized Solution
There’s no “one-size-fits-all” approach that’s going to work for you. If you’re married then your life looks a lot different than someone who’s not. If you live in Syracuse and White Plains the solution may be different from someone who lives elsewhere in Onondaga and Westchester County.
That’s why your quest for knowledge and understanding can start online, but that’s just the first step. You need to sit down with someone who understands every possible option and can help you navigate through your choices.
Once you’ve got all the answers, only you can know what’s right for you.
How I Can Help
My name is Ted Araujo, and I’m the Managing Attorney for the Bankruptcy Law Center. But beyond that, I’m a resident of Onondaga County just like you.
After I graduated from Cornell University with a degree in Economics I went to the State University of New York at Buffalo, where I got not only my law degree by also my Master of Arts Degree in Economics. Rather than jump right into private practice I decided to voluntarily give back to my country by joining the U.S. Marine Corps.
As a Marine Corps Judge Advocate (JA), I served as a Legal Assistance Office and Special Assistant United States Attorney. I also served as an Executive Officer of a Battalion and Aide to the Commanding General of Marine Corps Base Camp Lejeune. I’m particularly proud of winning the American Bar Association Legal Aid Military Practice (“LAMP”) award before leaving the Corps with an honorable discharge as a Captain.
These days I use my background in Economics and my experience to help people just like you get out of debt using Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code. According to Congress I’m a debt relief agent because I help people file for bankruptcy, and I wear that designation with pride.
I’m a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), and a member in good standing of both the State Bar of New York and the State Bar of New Jersey. I’m admitted to practice law in every single U.S. District Court and U.S. Bankruptcy Court in New York, as well as the Federal District Court of New Jersey, the Second and Third Circuit Courts of Appeal, the Federal Circuit Court of Appeals and the Court of Military Appeals.
First, Get The Information You Need
My grandfather used to say, “You don’t know what you don’t know.” He was right then, and the same principles apply to you right now.
Without a basic understanding of bankruptcy, you’re not going to know what questions to ask a lawyer. That’s why you want to learn as much about filing for bankruptcy as possible before you make an appointment to see me.
Armed with this information, you’ll be able to come into my office in Syracuse and we can have a conversation. It won’t be me preaching to you, telling you what to do. Rather, you’ll have the opportunity to ask questions and learn whether filing for bankruptcy is right for you.
Here are some of the pages on this site that will help you get some of the answers you’re looking for:
- How to File Bankruptcy in Onondaga and Westchester County
- How Bankruptcy Works
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Why You Need a Bankruptcy Lawyer
- Why You Need Foreclosure Help
- Foreclosure options, including loan modifications, the Home Affordable Unemployment Program, avoiding foreclosure scams, tips for avoiding foreclosure and foreclosure FAQs
- Debt Collector Harassment and How to Stop Debt Collection Calls
- What to Do if Your Creditors Sue You
When You’re Ready, Call For A Free, No-Obligation, Confidential Consultation
I’ve seen it all when it comes to bankruptcy, and no situation is too new or too unique for me to help with. Whether your case is simple or tough, I can give you expert, straightforward and accurate advice about whether bankruptcy is right for you.
The consultation is absolutely free, and there’s no obligation whatsoever. If you are looking for a competent, experienced and educated Onondaga and Westchester County bankruptcy lawyer to help you with your debt or to stop a foreclosure, contact me today for a free consultation.
Do not be fooled by the outrageous claims of debt settlement companies. Unlike debt settlement schemes, bankruptcy provides you with court ordered debt relief without tax liability or excessive fees while protecting you from collection activity. Bankruptcy can help you reorganize your debt or even wipe out your liability altogether. To meet our clients’ needs and provide excellent service, education and support, the Bankruptcy Law Center offers:
- Free consultations—there is never a charge to find out what your options are.
- Evening and Saturday appointments by request
- Non-bankruptcy foreclosure prevention assistance—find out other options to save your home aside from bankruptcy.
- Pre-bankruptcy planning—we can help you decide if you should file bankruptcy now or if you might need to wait.
- Low fees and payments in installments—start moving forward for as little as $250 down.