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Kelly McGrath Law is here to help you. Let’s Get You Some Financial Peace!
If you’re barely able to pay your bills, or if you’re falling behind, you’re not alone and it’s not your fault. The country is going through a crisis and we want you to feel supported.
You can get out of this financial struggle with help and you do not have to shoulder this alone. Family and friends are often more understanding than you might think!
Talk to those you love and share the burden of your financial stress. And if you’re depressed or thinking of suicide, call the National Suicide Prevention Hotline at 1-800-273-8255. This struggle is temporary and there are places you can go to help with your financial burden.
If the amount you owe has become an overwhelming burden in your life, here’s how filing for bankruptcy gives you a fresh start and lets you breathe again:
- Bankruptcy is a legal process that can wipe out or restructure many of your debts.
- Your current income level determines what kind of bankruptcy you qualify for. Either your unsecured debt is forgiven (Chapter 7 Bankruptcy), or restructured on manageable, low-interest terms (Chapter 13 Bankruptcy).
- Filing immediately protects assets you depend on such as your home and the vehicle you need.
- Bankruptcy also protects your wages from being garnished by any credit card companies
- After bankruptcy is complete, credit for high-ticket necessities can become available as quickly as within 3 months. Mortgages no later than 4 years.
Here’s what you need to know about repossession:
- The state can legally repossess a vehicle after just ONE delinquent payment.
- The creditor does NOT have to notify you or take you to court to repossess your vehicle.
- They can just come get your car anytime if you’re behind on payments, without notice.
Here’s the deal with falling behind on your house payment:
- A mortgage lender has to file a lawsuit to begin foreclosure.
- The homeowner will receive a summons if this happens, and they’ll have 20 days to respond before the foreclosure happens.
If you’re struggling to make ends meet, get support – call for a free consultation about your debt
Kelly McGrath, Esq. – (850) 273-8698 – website www.kellymcgrathlaw.com
Or, if you just want to talk to someone about other legal problems and get some advice, call Kelly McGrath, Esq. at (850) 273-8698. Kelly is trained in Nonviolent Communication and will give you compassionate legal counsel focusing on your needs.
Today’s program was brought to you by Replay Fitness, Inc. helping women age 50 and older to retire happy and feel good again. Please send your email to [email protected] to join our waitlist and be informed when new sessions are open.
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Special thanks to: Goldie Sound Productions www.goldiesound.com Producers: Barrington “DJ Plae” Fowler, and Dominic “Freaky Neek” Rollins.