Protecting Your Financial Future
Many people who are struggling with debt feel embarrassed about their situation. But at the Law Offices of David H. Sandler & Associates, we help people feel better about their finances. We understand that debt is often not your fault. In fact, medical bills are the most common reason why Americans file for bankruptcy — but no one is to blame for getting sick. And with the current economic crisis, falling behind on the mortgage is extremely common.
So if you are worried about credit card debt, foreclosure or medical bills, come to our office. I am attorney David H. Sandler, and I have been helping Maryland residents with debt relief for 20 years. My goal is to explain your options and help you make an informed decision, as well as ease the stress you are feeling.
How I Can Help You
There are several types of debt relief options. One is to file for bankruptcy. I can help you determine whether Chapter 7 or Chapter 13 bankruptcy may be right for you. Based on your situation, a Chapter 11 business reorganization might be the best resolution. If you do not wish to file bankruptcy, we may be able to negotiate with your creditors for a debt workout such as a payment plan or settlement.
Are you worried about losing your home? I help people with mortgage loan modification to lower the monthly payments or extend the terms. In addition, I can assist you with mortgage mediation with your lender.
One way to avoid foreclosure is to sell your home in a short sale. This is not the right choice for everyone, so it is important to speak with an attorney before you attempt a short sale. I will make sure your rights are protected and that you understand the risks involved.