DEBT NEGOTIATION

CHAPTER 7

CHAPTER 13

BANKRUPTCY AND DEBT NEGOTIATION

This economy has taken its toll on all of us.  Many of us continue to struggle with debt and houses that are upside down in value.  Quite a few of us have been laid off and returning to the work force has either taken too long or we are still looking for new employment.  All the while credit card debt, mortgages, and vehicle payments take their toll on us.

Call us today to find out more about your debt negotiation options and bankruptcy options under Chapter 7 and Chapter 13 bankruptcies.

Regardless of your financial situation, there is help and the Law Offices of Simon P. Kennedy, PLLC, provides both bankruptcy representation and debt negotiation services to our clients.  Moreover, we understand that bankruptcy or debt negotiation is a difficult decision and that hiring an attorney can be an expensive endeavor.  However, the difference between being consistently overwhelmed by debt and constant creditor calls day in and out at home and work and being free of your debt and getting a fresh start on your finances is worth it in our mind.  Nevertheless, we offer exceptional rates for fees and flat fees for all of our debt relief packages.

From our website you can fill out a confidential bankruptcy questionaire to receive a free evaluation and consultation regarding your bankruptcy case.

You might be wondering if you should file for bankruptcy and whether you do, in fact, need an attorney to represent you.  Bankruptcy is not simply a process of filing out forms and filing them with the court.  Your personal estate presumably has assets and debts that can be classified in certain ways.  For example, some of your assets you might want to try to keep (reaffirm) and some of them you might be willing to let go of to help resolve your bankruptcy estate.  Your overall financial health and your particular bankruptcy strategy should be always be made in consultation with your attorney.

You also might be concerned with the stigma of filing for bankruptcy; i.e., what would my neighbors or community think of me doing this.  Just remember that with credit card rates often exceeding 20% and revolving balances that continually increase both the principle and the overall interest charges and the fact that a number of us have several thousands of dollars worth of credit card debt, plus the fact credit card companies continually increased your credit limit or gave you new credit accounts without concern for how you would pay those debts back, the credit card industry has created a situation that many people cannot get out of unless they file for bankruptcy.

But bankruptcy is the perfect mechanism for getting a fresh start in your personal finances and getting back on your feet.  Moreover, the sheer liquidation of your unsecured debt (i.e., your credit card debt), provides the type of mental relief and freedom of stress that being overwhelmed by debt never affords.  The Law Offices of Simon P. Kennedy, PLLC, is a debt relief firm that is here to counsel and help your through the bankruptcy process.  We take all of your concerns to heart and the confidentiality of your financial situation is always the utmost concern for us.

The Law Offices of Simon P. Kennedy, PLLC is a debt relief law firm providing clients debt relief services and/or bankruptcy to clients in the greater Phoenix area, including, Phoenix, Tempe, Scottsdale, Chandler, Queen Creek, Glendale, Mesa, Gilbert, Peoria, Sun City, Avondale, and Tolleson.  We also provide bankruptcy and debt relief services in Pinal County, Coconino County, Yavapai County, Prescott, Flagstaff, and Yuma.

This firm is a debt relief agency and we help provide debt relief through debt reduction and bankruptcy