Bill Collector Harassment | Tom McAvity Suggestions

When faced with bill collector harassment, you do have options. There are some collections agencies who will inaccurately tell you that you are not eligible to file for bankruptcy. Whether or not you are entitles to bankruptcy is not up to collectors -- it is a matter between you and your bankruptcy attorney. You may or may not be eligible based on a number of unique circumstances. That said, Chapter 7 and Chapter 13 are great tools for debt relief for a number of people.

Tom McAvity and Northwest Debt Relief Law Firm can tell you what options may best suit your needs based on the various aspects of your financial circumstances. There are many options in debt relief outside of bankruptcy, and you can discuss these options with a debt relief counselor or attorney who knows the ins and outs of the laws.

You do have fair options available to you -- it's your right as a consumer to seek aid in the form of bankruptcy or other forms of debt relief. Tom McAvity can help you discover what your options are. While many argue that bankruptcy is not a viable option, it is an extremely effective way for consumers just like you to create a fresh start and get credit card debt and mortgages under control.

If you're considering your financial options and would like to hear more about bankruptcy and debt relief, call Tom McAvity at NWDRLF today by dialing 1-866-601-1918.

Chapter 13 Bankruptcy Explained

Here's another great YouTube video from Miranda Chuck. In this clip, Miranda explains exactly how Chapter 13 bankruptcy works, and who it may or may not be a good fit for. Tom McAvity knows that many people fear bankruptcy because they simply don't have a clear idea of what it is. In order to make a decision about bankruptcy, consumers MUST know EXACTLY what it is and what the positive and negative impacts are. Chapter 13 can stop a foreclosure and allow between 3 to 5 years for consumers to repay a portion of their debt or all of it depending on their unique Chapter 13 bankruptcy filing.

Here's Miranda Chuck discussing Chapter 13 bankruptcy for individuals:



When you are ready for your FREE bankruptcy consultation, contact Tom McAvity at NWDRLF by dialing 1-866-601-1918.

Chapter 7 Bankruptcy Definition

In this greatly detailed video, a knowledgable CPA describes Chapter 7 bankruptcy, exactly what it means, and exactly how it works. Miranda Chuck explains how discharging debt allows for consumers to have a fresh start. Please review this very well-thought out discussion of Chapter 7. If you have any questions following the video, please contact Tom McAvity for more information or to schedule a free bankruptcy consultation.

Portland Bankruptcy | Does Bankruptcy Clear Student Loans?

According to a recent New York Times article written by Ron Lieber, the current state of bankruptcy law makes it extremely difficult if not impossible for most people to wipe out student loans with bankruptcy filing. Tom McAvity has been following the trends, and it appears as though a number of congresspersons are determined to help people get rid of student loan debt with bankruptcy, especially in cases where loans were disbursed from lenders such as Sallie Mae.

While we wait for more fair rulings where student loans and bankruptcy are concerned, many people struggle, knowing that they can't pay their mortgage, car payment, and other lines of credit in addition to their student loans. For these people, Tom McAvity can assess their unique situation and determine if bankruptcy filing in Portland will help to lessen the financial burden -- even if student loans are not wiped out by bankruptcy.

In his New York Time article Ron Lieber argues that it's insanity that a person can wipe out the debt they owe on an expensive luxury car while someone who simply wanted to educate himself is unable to clear a debt for having done so.

If you are struggling with debt associated with student loans in addition to a an ARM mortgage and/or other heavy debt, Tom McAvity can tell you there is hope through debt relief. Bankruptcy may be a good fit for you. To find out, call 1-866-601-1918 for a FREE bankruptcy consultation.

Bankruptcy Attorney Tom McAvity: May 2010 Bankruptcy Filings Highest in 5 Years

If you didn't believe that bankruptcy had become a wise choice for millions of Americans, the you may want to consider what the Reuters recently reported. According to the Reuters article by Jonathan Stempel, bankruptcy filings for May 2010 fell into the second highest number of filings in the U.S. since 2005. What Stempel tells us is that just because the markets may be on the rise in some sectors, this is not a direct reflection of what the average American is going through financially.

Stempel quotes Mike Bickford, president of AACER as saying, "Just because the economy gets better doesn't mean that consumers can work off cascading debt problems that surfaced earlier," So what does this mean? The bottom line is that this is the truth. Bankruptcy is a viable option that many people who should are not taking advantage of. Some out of fear, some out of shame, some because they don't want a bad credit report.

Tom McAvity and NWDRLF can tell you that your credit score will only improve if you are a candidate for bankruptcy and you use it as a tool to reorganize your debt before it spirals completely out of control. You have options -- and not only are they there for you, you are entitled to them as a consumer. Make use of your options. Get a fresh start with the help of Tom McAvity.

Everything we need to know about the reality of this economy is out there -- millions of people need help, and the Northwest Debt Relief Law Firm and Tom McAvity want you to succeed and repair your credit. Call today for a FREE bankruptcy consultation by dialing 1-866-601-1918.