Saturday, May 29, 2010

Vancouver Bankruptcy: Credit After Bankruptcy is Possible

One of the most common reasons by far that people don't file for bankruptcy is that they live under the misconception that bankruptcy will keep them from ever being able to attain credit again. This is simply not true. As a matter of fact, the sooner you get your finances organized, the more likely you are to be eligible for new lines of credit sooner. That's where filing for bankruptcy with bankruptcy attorney Tom McAvity comes into play for your family's financial health.

Tom McAvity has experience helping hundreds of people just like you. Lenders like to see that consumers are making -- or have made an effort to get back on track. The very word "bankruptcy" is taboo even today, but it ought not be. Those who do qualify for bankruptcy in Vancouver who take it seriously, stay organized, and make their payments on time will be surprised at how quickly they are back on their feet in terms of credit eligibility.

Tom McAvity and NWDRLF can help you begin the Chapter 13 debt reorganization process, or get you started with a Chapter 7 bankruptcy. Which type of bankruptcy is most appropriate for you will depend on your unique financial circumstances.

If bankruptcy is right for you, the fresh start it provides will lift a weight off your shoulders. NWDRLF offers free bankruptcy consultations. Get started today by dialing 1-866-601-1918.

Tuesday, May 25, 2010

Vancouver Bankruptcy Blog: 10% of US Homeowners 60 Days Delinquent

As May draws to a close, new reports suggest that approximately 10 percent of all home loans are delinquent in the U.S. by 60 days or more. The Mortgage Bankers Association noted that in addition to the national average of 10 percent, percentages in Nevada and Florida are trending closer to 20 percent.

Tom McAvity and the bankruptcy attorneys at the Northwest Debt Relief Law Firm know that this is not new news, and that this trend has been rather consistent for several fiscal quarters. For people seeking some kind of relief that just don't know where to turn, the smartest choice may be filing bankruptcy in Vancouver.

While filing for bankruptcy may not be the best option for everyone, for those it can help it helps immensely. By now most people who keep up with the news know that Chapter 13 bankruptcy is a popular choice for those facing foreclosure. If this shoe fits, it allows those who file to consolidate their debt (all credit cards, house payments, car payments, etc.) into one payment that is overseen by a trustee of the bankruptcy court.

If this is the right choice for your circumstances, bankruptcy attorney Tom McAvity can help you file your bankruptcy in Vancouver, WA, or Salem and Portland, OR. Many people may not realize it, but bankruptcy is a very wise choice for many. If you're eligible to file for Chapter 13 bankruptcy, let Tom McAvity and NWDRLF help you today. All you have to do is pick up the phone and dial 1-866-601-1918 for your free bankruptcy consultation.

Sunday, May 23, 2010

Vancouver, WA Bankruptcy Attorneys can Help You

If you have been contemplating bankruptcy and think you'd like to begin the process but just don't know where to begin, it is time for you to contact Vancouver, WA bankruptcy attorney Tom McAvity. There are many options, and you likely have not been presented with all of the debt relief options you may be eligible for.

Most consumers with a great deal of debt, whether from credit cards, medical bills, or an upside down mortgage will be eligible for either Chapter 13 or Chapter 7 bankruptcy filings. There are other options, such as home loan modification, debt consolidation, and other debt relief options. Tom McAvity and other bankruptcy attorneys with Northwest Debt Relief Law Firm will not know which of these options best suits your unique financial needs until he or she has reviewed your information. The good news is that all NWDRLF consultations for bankruptcy are free, and you will have 24-hour access to your case file through our secure online portal.

We know that you probably don't know what lies ahead for you and your family financially, and we also know how scary that can be. But what bankruptcy offers is a fresh start, and a way for you to step out of that fear and move on with your life. Tom McAvity and the NWDRLF want you to have a fair chance at a great future. Call us today for a free bankruptcy consultation by dialing 1-866-601-1918.

Friday, May 21, 2010

You're not Alone: File for Bankruptcy in Salem, OR

Many people are scared to file for bankruptcy because they just don't know exactly what it entails or what it will mean for their financial future, or worse, what people may think of them for filing bankruptcy in Salem, OR.

Thomas McAvity and the team at NWDRLF can tell you that this is a common concern -- but the good news is that it shouldn't be. There are many misconceptions about filing for bankruptcy, and chief among those concerns is reputation. Did you know that when you file for bankruptcy it is completely confidential? What that means is, unless you tell people, no one will know -- not your friends, work associates, family members, neighbors, or anyone else.

The Northwest Debt Relief Law Firm and Thomas McAvity are dedicated to helping you get a fresh start with Chapter 7 or Chapter 11 bankruptcy in Salem, OR, or in the Portland, Oregon and Vancouver, Washington areas. These three bankruptcy offices will meet all of your needs, anytime night or day.

If you have been living in fear of bankruptcy because you just don't know what is fact and what is fiction, you need the help of a qualified bankruptcy attorney like Thomas McAvity. Call NWDRLF today to have your questions answered and get on the road to better financial health today! 1-866-601-1918

Wednesday, May 19, 2010

Foreclosure Defense and Filing Bankruptcy in Vancouver

Bankruptcy Attorney Thomas McAvity has helped many people face bankruptcy in Washington, and for many of these people the main focus has been foreclosure defense. Why? Because most of the millions upon millions of bankruptcies being filed are the result of home foreclosures caused by sub-prime and ARM mortgages.

Using Chapter 13 bankruptcy to protect yourself from predatory lenders will allow you to move on financially. If you qualify for Chapter 13 you will be offered debt reorganization and you will be assigned a trustee from the bankruptcy court. This trustee will handle all of your debt in a consolidated manner, and you will only need to make one payment which will cover all of the debt you owe to your mortgage company and any other creditors that you owe. Scheduling a free consultation with attorney Thomas McAvity can help you and your Washington bankruptcy attorney figure out which form of bankruptcy best suits your unique needs.

If you are interested in Chapter 13 bankruptcy and think you may qualify, call Thomas McAvity and the Northwest Debt Relief Law Firm today by dialing 1-866-601-1918.

Monday, May 17, 2010

Foreclosure Notice: What do You do Now?

So you got the foreclosure notice, and even if you saw it coming, your heart probably sank -- holding the papers in your hand makes it very real. But you're not alone and you do have options for debt relief in Vancouver. Tom McAvity and the Northwest Debt Relief Law Firm can help you, so start the process as soon as possible.

Foreclosure notices can make homeowners feel like they are under the microscope, but pulling the ostrich routine is not the answer. Do not ignore the foreclosure notice, even if you have decided to let the house go. You see, if you take action now rather than waiting for the creditors you owe to take action you may be surprised to find that you are in a far better situation than you thought, and you can seek debt relief with Chapter 13 or Chapter 7 bankruptcy, depending on your financial situation. Tom McAcvity can sort through your information and determine what you're facing financially as well as in terms of your foreclosure.

There are always options in debt relief, but you may rob yourself of those opportunities if you don't take action in time. Help Tom McAvity help you. When you contact the Northwest Debt Relief Law Firm you will get a FREE consultation and 24-hour support, so call today: 1-866-601-1918.

Saturday, May 15, 2010

What can I do to Prepare for Bankruptcy?

When preparing for bankruptcy, many people have a very hard time. They are scared, they are worried, they feel they will be judged. Know that if you are contemplating bankruptcy that it may be one of the best decisions you will ever make. Thomas McAvity and the law team at the Northwest Debt Relief Law Firm can help you with a fresh start.

Aside from assessing the value of your home and cars, and figuring out what you owe to creditors, you'll want to do a few other things to prepare.

One of the most important pieces of data you will need to have handy for your Portland, Oregon bankruptcy attorney regards whether or not you are on the verge of being foreclosed on your home. If you know that you are mere days or weeks away from a foreclosure, you will need to know the exact date that you will go into default. You may be facing a lawsuit, so alerting Thomas McAvity and the NWDRLF team will help them help you.

Another crucial step you can take to prepare for bankruptcy is simply jotting down a very comprehensive list of the questions you have for your Oregon bankruptcy attorney. Don't hold back here, and remember the old adage: the only stupid questions are the ones that are not asked! So put in on paper -- any and every question you have -- knowing the answers to all of your questions during the pre-bankruptcy process will give you peace of mind.

NWDRLF and bankruptcy attorney Thomas McAvity are ready to serve your bankruptcy needs. Call today for a FREE consultation: 1-866-601-1918.

Thursday, May 13, 2010

Filing Bankruptcy in Washinton Bankruptcy: Pre-Bankruptcy in Steps

There are some steps that Tom McAvity recommends taking when you may be facing filing for bankruptcy in Washington. Here are some of the steps you may want to take in terms of pre-bankruptcy planning.

a) Put it on paper: Do an assessment of what you owe to creditors by making a list of who they are, then pull up all of your old statements and write down how much you owe each individual creditor. Chances are that you will have both unsecured and secured debt. If you're not sure which debt you have falls under which category, then don't fret over it -- just compile what you have and your Washington bankruptcy attorney can help you figure out the rest from there.

b) Evaluate the dollar value of your vehicle(s): If you don't know the value of your car offhand, then you can look it up by visiting the Kelley Blue Book Web site. Put these figures down on paper, and don't forget to include things like RVs, boats, off-road vehicles, and even golf carts.

c) Figure out how much your home is worth: From the day you purchased your home until today, your home has depreciated (unless you are a rare exception in this economy). If you are not aware of the current value, you can figure it out by visiting a very helpful Web site called Zillow. Once you have visited Zillow, make a note of your findings; this will help Tom McAvity and the NWDRLF Washington bankruptcy attorneys when assessing your bankruptcy needs.

These are just a few of the major things you'll want to have figured out for the pre-bankruptcy process. You can always get help from Tom McAvity and NWDRLF if you just don't know where to begin. Remember that millions of people are struggling. Assessing your debt and preparing for bankruptcy will create debt relief for you and your family.

Tuesday, May 11, 2010

Tom McAvity tells us how Chapter 13 Helps with Foreclosure

Vancouver bankruptcy attorney Tom McAvity can help you stop the foreclosure process on your Salem, Portland, or Vancouver home. This allows you and your family to deal with the other debts that could be contributing to potential financial fallout.

The protections offered by the U.S. Bankruptcy Court are not in any way influenced or dependent upon any agreements with any financial institution holding a mortgage. When you meet the requirements laid out in bankruptcy law, you will be eligible for help without a doubt. Well-seasoned bankruptcy attorney Tom McAvity and the law team at NWDRLF can tell you if you qualify for bankruptcy and what is necessary to begin the process. If your bankruptcy lawyer notices that other options apply, he will tell you during the pre-bankruptcy process. can often let you know during your initial free consultation with

If filing bankruptcy in Washington is the best option for you, you won’t learn about it until you speak to a qualified bankruptcy lawyer, such as Tom McAvity. Chapter 13 bankruptcy in Vancouver can stop the foreclosure process and allows you as many as five years to get current with all of payments you've missed. Chapter 13 can also dramatically reduce – or even eliminate – personal loans and credit card debt so that you have enough freed-up income to make your house payments on your new plan. Consider Chapter 13 before you consider other more costly and less effective approaches.Call NWDRLF today by dialing 1-866-601-1918.

Sunday, May 9, 2010

Ask Tom McAvity: Okay, Filing Bankruptcy is for Me… Now What?

Once you realize bankruptcy is the right choice, chances are you'll want to get started right away – but Tom McAvity will tell you that while bankruptcy in Salem may be for you, it doesn't happen overnight. As soon as you’ve decided on bankruptcy, stop charging up any credit cards under your name – quitting charging altogether is recommended. The bankruptcy court will review your credit history for the past 90 days, and this will include a review of your credit card history. This is done to establish whether or not you're trying to start making better financial choices as a preliminary step to filing bankruptcy in Vancouver.

Add up the total income brought into the house each month. Review the difference in what you make versus what you owe in general and on a monthly basis. If you are running out of money at the end of each month, bring evidence of this to bankruptcy lawyer Tom McAvity. Your bankruptcy attorney needs to know how things are going for each and every 30-day period to plan your bankruptcy filing in Vancouver or Portland.

If you’re ready to begin the pre-bankruptcy process, call Tom McAvity by dialing 1-866-601-1918 for a free bankruptcy consultation. Our experienced Portland and Vancouver bankruptcy lawyers can help you get started with your bankruptcy.

Wednesday, May 5, 2010

Can I File Bankruptcy if I Already Have Before?

You can still file for bankruptcy in Vancouver or Portland after having filed previously, so long as you meet the requirements for another bankruptcy (either Chapter 7 or Chapter 13 personal bankruptcy. With Chapter 13 you may refile bankruptcy again after two years, but the new bankruptcy must also be a Chapter 13.

In addition to the above caveats, you must:

  • have lived in Oregon or Washington for at least 90 days to file Chapter 13
  • petition for Chapter 13 bankruptcy with the appropriate bankruptcy court
  • await the bankruptcy court's acceptance of your petition -- they will send you a notice listing all of the creditors you owe
  • await the court's appointment of a trustee to your bankruptcy case -- if you haven't heard anything and you feel you should have, get in touch with Thomas McAvity, your Vancouver bankruptcy attorney right away

Anything beyond this will depend on your unique bankruptcy case -- as they say about snowflakes, each of us is different, and so are our bankruptcy filings.

Above all, what you need to understand more than any of the confusing details is that there is help for you, you are entitled to it, and you can reach out to bankruptcy lawyer Thomas McAvity for help. A healthy financial life is in your future, but you have to choose it for yourself before anyone can help – but once you choose, help will be on the way.

Please call Thomas McAvity and the NWDRLF team by dialing 1-866-601-1918 or simply click here to send an e-mail directly.

Sunday, May 2, 2010

Thomas McAvity's Common Bankruptcy Myths

The Northwest Debt Relief Law Firm (NWDRLF) and Thomas McAvity know that there are many people who wish they could file for bankruptcy but they either fear to take the plunge or they are so paralyzed with fear of being judged that they simply don't do it until they have no other option.

The truth of the matter is that bankruptcy may not look like the most attractive option at first, but in many cases, it is. Bankruptcy can offer a fresh financial start, and contrary to myths about bankruptcy, Tom McAvity can tell you, restoring credit after a Chapter 13 debt reorganization will not take the eons that the urban legends would have you believe.

Another myth that ought to be dispelled right away: many people who are ready to file for bankruptcy fail to do so because they think it will be common knowledge -- that they will be rallied around the town square with eyes all over them. Not so. Bankruptcy, whether it is a Chapter 7 or Chapter 13 will not be a public matter. These types of bankruptcies are between you and your bankruptcy attorney, your creditors, and the bankruptcy court.

Tom McAvity
encourages you to look into your options as opposed to believing all the hype that surrounds bankruptcy these days. After all, there would hardly be so much to talk about if it wasn't so profoundly popular a choice for so many.

Saturday, May 1, 2010

Tom McAvity's Chapter 7 versus Chapter 13: which works for you?

Have you ever been told -- whether to your face or through experience -- that bankruptcy is a bad thing? Perhaps you've been told or made to understand that filing for personal bankruptcy is bad for your reputation. Tom McAvity is here to tell you otherwise.
Personal bankruptcy, whether it is a Chapter 7 asset liquidation, or a Chapter 13 reorganization of debt, can both be good if they are geared toward the proper candidate.
When faced with financial hardship that is costing you more than it should financially, emotionally, and mentally, the time comes to consider one of these two types of bankruptcy.
Tom McAvity and his team at NWDRLF can help you to decide which of these two options in personal bankruptcy makes the most sense for you. Some of the deciding factors may be:

  • Are you a sole proprietor of a small business?
  • Are you a homeowner behind on mortgage payments?
  • Do you own commercial and/or other real property?
  • Are your bills mainly due to credit card debt?
  • Are you behind on bills but think you could catch up if you could just catch a break?
  • Have you been laid off or had a layoff in the family?

Tom McAvity will look at the answers to these questions and tailor either a Chapter 13 or Chapter 7 bankruptcy plan that will serve you and your financial future best.

You can always direct any questions you have to Tom McAvity by contacting NWDRLF at 1-866-601-1918. Please, let us know how we can help you today!