Debt Negotiation and Reorganization
San Diego Bankruptcy Attorney
Filing for bankruptcy is not for everyone. Bankruptcy attorney Chris Bush helps clients negotiate with their creditors to reduce or reorganize their debts outside of the bankruptcy process. With over 12 years of experience as a California consumer bankruptcy attorney, Chris Bush is an assertive negotiator. He has handled countless debt negotiations and reorganizations for clients throughout California.
Why Do I Need an Attorney?
Many individuals attempt to negotiate with their creditors on their own. However, they often find themselves up against a wall. Creditors are much more likely to respond to an attorney's call. They are also more likely to agree to a better settlement when an lawyer is present at the negotiation table.
For the best results with debt negotiation and reorganization, you need an advocate who knows the system. Our attorneys at Debt Doc know creditors, know the law, and know what to do to get results. When you have extensive debts and would like to protect your family's assets, turn to them.
Debt Workouts and Debt Consolidation
In the best cases, a debtor will be able to negotiate a permanent reduction in the debt he or she owes a creditor. Known as a debt workout, creditors often agree to debt reduction if a debtor would be able to remove the debt completely in Chapter 7 bankruptcy.
In other cases, the creditor will negotiate a debt consolidation with the debtor. Debt consolidation allows the creditor and debtor to reorganize debt through extended payment plans.
Attorney Bush has experience successfully negotiating debt workouts and debt consolidation plans for individuals with overwhelming debt. When you want relief from credit card debt, home mortgage payments, medical bills, court judgments and more, our attorneys at Debt Doc can help.
When Is Bankruptcy a Better Debt Relief Option?
While debt reorganization is a promising option for many individuals, it can also lead to consequences, such as higher taxes. In some cases, the creditor may not be willing to reorganize or consolidate debt. Attorney Chris Bush can help you understand all of your options for debt relief, including determining whether you can and should file for Chapter 7 or Chapter 13 bankruptcy.