Our Honolulu bankruptcy attorneys may be able to help you overcome your financial fears
Some people may be afraid to consult with our Honolulu bankruptcy attorneys because they simply are not be ready to face the reality of their present economic situation. So rather than deal with the truth, they may continue to punish themselves by feeling ashamed and overwhelmed. Once clients arrive at the offices of our Honolulu bankruptcy attorneys, however, they may immediately start to feel better about themselves and their problems. Once they've discussed the details of their case with our Honolulu bankruptcy attorneys, they realize that there may be something that can done to help them. Once they have seen the light at the end of the tunnel, they may wonder why they have kept themselves in the dark for so long.
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Many people are forced to file a Chapter 13 or Chapter 7 case. In fact, according to the American Bankruptcy Institute, more than 1.1 consumers filed a Chapter 7 case last year alone. While others say that these people were "abusing" their credit and simply took the easy way out, our Honolulu bankruptcy attorneys should tell you that nearly 90% of cases are filed by individuals who are facing unforeseen problems such as divorce or job loss.
The bankruptcy laws were created by Congress to provide relief to hard-working people who have been overwhelmed by problems beyond their control. The provisions of the U.S. Bankruptcy Code, when navigated by an experienced bankruptcy professional such as one of our Hawaii lawyers, may be able to help you get a new start on life.
If you would like help in solving your financial problem, simply dial our toll free number, 1 (877) 349-1309. Or, fill out our secure online case evaluation form with a few details about your situation. All information is kept strictly confidential. One of our experienced legal professionals should contact you to set a convenient time for a free consultation.
What does your credit report have to say about you?
Reading your credit report should be the first step to better understanding your financial situation.
The Fair Credit Reporting Act was amended several years ago to improve consumer privacy rules. Under the Act, you are legally entitled to obtain your credit report from a credit reporting agency. This includes receiving a list of everyone that has requested your report.
If you are denied credit based on information in your credit report, the creditor must provide a reason for denial, and you have 60 days from the day you receive a denial notice to receive a free copy of the credit report. The law also entitles you to receive a free credit report every 12 months if you are unemployed and seeking work within the next 60 days, are on welfare or your report is inaccurate as a result of credit fraud.
Of course, you may also pay to obtain a credit report anytime. The three major credit reporting agencies, or credit bureaus, are Equifax, Experian and Trans Union.
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.