Orange County Bankruptcy Attorney

Alternatives to Bankruptcy

Many Orange County residents find themselves in serious financial trouble after the housing market crash.  They may have bought a house during the peak and signed onto a sub-prime mortgage, and now their monthly payments have gone sky-high.  Their home may be worth much less than they originally bought it for.  There may have been a health crisis, which resulted in thousand of dollars in medical and hospital bills that are difficult to pay.  Businesses are also suffering, and may have expanded and taken on debts and leases during a time when consumers had more spendable income, and now have reduced income and are far behind in payments. 

When you are facing any of these situations, it is crucial that you contact an Orange County bankruptcy attorney.  You may qualify for bankruptcy, either Chapter 7 or Chapter 13, depending on your income and circumstances.  In the case of a business, you may wish to get information regarding a Chapter 11 bankruptcy.  However, there are alternatives to bankruptcy for many Orange County residents.

In some cases, what is needed may be help in negotiating existing debts.  An attorney from the Law Offices of Joseph M. Tosti can often be able to assist with resolving serious debt problems by dealing with the creditor in your behalf.  The legal team is tough and will fight on your behalf on renegotiation of mortgages with the lender, or other types of debt reduction and agreements.  These actions can resolve your financial problems without having to file bankruptcy, depending on your specific situation.

What if I can't File Bankruptcy?

Some individuals do not qualify for bankruptcy filing.  However, that does not mean that nothing can be done about your situation.  You can contact the firm for a free consultation to discuss your case, and the legal team from the Law Offices of Joseph M. Tosti will advise you of the possibilities in handling crushing debt without filing for bankruptcy.  The firm has been assisting Orange County residents with debt relief for over 25 years.

Contact an Orange County Bankruptcy Attorney from the Law Offices of Joseph M. Tosti today.