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If you are in financial trouble, you are not alone. Every
year over a million Americans put their problems behind them
by filing bankruptcy. At the Law Offices of Stuart B. Handelman,
we have helped thousands of people just like you find the
legal solutions they needed to put their finances and their
lives back on track. Please take a
moment to answer the questions below. This quiz is designed
to determine whether or not you should seek the advise of
a Debt Management professional such as an attorney. It is
important that you answer each question openly and honestly.
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Are any of your credit accounts
more than 30 days late?
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Do you only pay only the minimum
payment due on your credit cards a majority of
the time?
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Do you float or bounce checks in
order to put food on your table or pay monthly
expenses such as electric or gas?
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Have you borrowed money from a
loan to payday or vehicle title loan source?
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Do bill collectors call you at
home or work?
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Do you have multiple mortgages
on you house?
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Have you reached the credit limit
on one or more of your credit cards?
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Have you borrowed money to pay
off your credit cards (including balance transfers)
and accrued significant balances again?
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Do you lose sleep at night because
you worry how you are going to pay your bills?
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Do you live from paycheck to paycheck
with no source of funds for unexpected obligations?
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Have you borrowed money from
friends and/or relatives to meet obligations?
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Do you pick and choose which
accounts to pay because you can't afford to pay
all of your obligations?
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Has your credit line been
stopped by one or more creditors?
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Is your house in jeopardy
of foreclosure?
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Has your house been foreclosed
or your car repossessed leaving you with a balance
due on the property that you no longer own?
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Do you stress over your finances?
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Are you afraid or hesitant
to answer your telephone because you don't want
to be abused or belittled by a representative
attempting to collect money from you?
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Do you write checks hoping
they don't clear your bank before your paycheck
gets deposited?
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Do you make excuses to yourself
or those around you as to why you can't pay your
bills?
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If you answered yes to any of these questions
you should consider calling our office for a free consultation.
We will present you with the options that we have available
to offer, as well as, make suggestions of other services
available if bankruptcy is not the correct course of action
for your situation.
What you can expect
from a free consultation
In your consultation, we will explain the different types
of bankruptcies, explain the procedures for filing and explain
the advantages and disadvantages involved so that you know
what to expect. We will be able to offer an evaluation and
present you with a list of options along with a recommendation
of which option your attorney thinks is best for your situation.
We may be able to present you with other alternatives to
bankruptcy. For instance, you may not need to file or want
to file for bankruptcy. We may be able to present you with
alternatives such as loan consolidation, civil suit defense,
or refer you to a credit counseling organization. At the
conclusion of the consultation, we will review the attorney's
fees and court costs associated with each of the options
presented to you as well as, present you with a payment
arrangement if necessary.
What makes us different?
- Personal attention with an open line of
communication with the attorney that is assigned to your
case.
- A solution to your current situation.
- A full review of your ambitions and goals
- What do you want in the future - House, Car, Retirement
Plan, etc.
- A review of you situation with suggestions
that will help you avoid the pitfalls that may have been
the cause to the problems you may be experiencing.
- A clear and concise budget that will allow
you to achieve the goals that you set.
- We become your advocate. If creditors
have broken the law in the course of attempting to collect
a debt from you, we will pursue remedies that may entitle
you to receive compensation as a result of the violation
- at no cost to you.
- Stop your creditors from continuing to
call you by giving you a letter to send to all of your
creditors instructing them not to call you any more. In
turn, they will contact us for a status of your situation.
Additionally, we will educate you in the laws that govern
collection agencies, thereby arming you with valuable
information. If a collection agency breaks the law, we
can often times recover damages resulting in a monetary
award to you.
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