Law Office of James L. Keenan

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James Keenan Law

Contact me for a free consultation!

PH 916.448.6923

TXT 916.715.6145

EMAIL James now!

Contact me for a free consultation!

PH (916) 448-6923

TXT (916) 715-6145

EMAIL James now!

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Get Out of Debt

Debt can be crippling. Many in Sacramento are living with debt. And the situation is worsening. But how do you get out of debt? This recent news story offers tips to relieve your debt dilemma. But the options offered presume you have the money to, at minimum, pay down your debt. What do you do when you don't have the income to do that?

Bankruptcy Options

Bankruptcy is an option when you cannot afford the debt you have. Filing bankruptcy allows you to discharge your debt. This means your debt can be eliminated. Typically people who file bankruptcy can retain their property and still get out of debt. There is often nothing to lose. Credit is impacted by filing bankruptcy, but so is debt itself. That's where bankruptcy comes in.

When you have too much debt, something needs to be done. If you don't have the money or resources to get out of debt, the problem can only worsen. Bankruptcy is a way to get out of debt. Bankruptcy offers credit relief to those who cannot afford their debt. If you can pay your debt, even if only a portion of it, bankruptcy law requires you do so. For those who can't pay their debt, a bankruptcy discharge is often the best solution.

Though bankruptcy impacts your credit negatively, the elimination of debt is helps it. If the elimination of your debt is more beneficial than a bankruptcy filing is negative, bankruptcy should be considered. Filing bankruptcy is better done sooner than later. That's because living in debt often is worsened by going further in debt to relieve your other debt. It is a nasty spiral, and it can't be sustained.

If you are living in more debt than you can pay, I invite you to contact my office for a free consultation to evaluate your options. 

Fast Financial Fix

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Law Offices of James L. Keenan

2600 H St. Sacramento, CA 95816

Phone: 916-448-6923

Fax: 916-442-6524

Email: jameslkeenan@aol.com

Office Hours: Monday – Friday 8 a.m. – 5:30 p.m.

Evening Appointments Available

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Disclaimer: The legal information presented at this site should not be construed to be formal legal advice, nor the formation of a lawyer or attorney client relationship. Any results set forth herein are based upon the facts of that particular case and do not represent a promise or guarantee. Please contact James Keenan personally for a consultation on your particular matter. This web site is not intended to solicit clients for matters outside of the state of California.