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Debt Counseling

Kansas Debt Counseling Attorney

Do You Need Counseling for your Debts in Kansas?

Are your debts getting you down?  This can happen if you are not able to keep up with your payments and are now the target of creditor action.  This can mean law suits, execution on your bank account, wage garnishment, repossession of your car and foreclosure on your house.  In this situation it is best to contact a Kansas bankruptcy attorney for debt counseling.

Debt Consolidation

This can be attractive as it gets all of your payments into one.  Needless to say, this one payment must be affordable and not subject to random increases in interest.  Be careful of giving security for the consolidation debt because if you fail to make the payment, the creditor may now foreclose on the security you pledged be it your house or car.

Bankruptcy Options

Bankruptcy Chapter 13 offers an attractive debt consolidation plan.  Creditors may not engage in any collection action once your file your bankruptcy petition.  You prepare a plan for paying off your creditors over a three to five year period and you are helped by the fact that interest on the unsecured debt is cancelled.  Furthermore, if you have been having trouble with making your car or house payments, you may spread the arrearages over the period of the plan giving you time to catch up. 

If your debts are too overwhelming to handle even with a payment plan, consider Bankruptcy Chapter 7.  Here most if not all of your debts may be cancelled.  You will be able to keep personal items, household goods and other property exempt from execution under Kansas law.  If you are making payments on a house or car, you may keep the property if you can maintain the payments.

Debt Counseling Lawyer in Kansas

We of the Rick Hodge law firm are dedicated to helping consumers in Kansas with debt counseling.  We counsel people all over the state of Kansas by phone. You will not have to leave your home unless you need to file bankruptcy, in which case you would need to make one trip to Wichita for a meeting of creditors.  

Contact the Kansas Debt Counseling Lawyer at the firm for experienced and reliable debt counseling.

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