About You

You never thought your bill problems would get this bad.

But then the economy spun out of control.  Groceries and gasoline costs doubled.  Everyday living expenses skyrocketed.  Not to mention doctor’s visits and prescription drug costs.

And before you knew it, your finances were out of control.

Then you missed a payment or two on your credit cards.  Perhaps the credit card companies raised your interest rates.

Maybe your biggest problem right now is your home mortgage.  You fell behind several payments and the bank is threatening foreclosure.

Or you’re afraid that the finance company is about to send a tow truck for your car.  Then how will you get to work?

Maybe your wages are about to be garnished.  Then how will you feed your family?

Or maybe the IRS or Pennsylvania Department of Revenue is threatening to levy your bank account over back taxes… maybe they already have.

You could be way behind on your child support payments and despite your best efforts to take care of your responsibilities nothing seems to be clicking.

Now you don’t know where to turn.  You’re feeling overwhelmed.  It’s hard to know who or what to trust these days.

You’ve thought about credit counseling but that doesn’t cover every bill and it does nothing for mortgage problems.

Letters come in the mail about debt consolidation, forbearance, and a whole host of other options, but none of the companies seem reliable and trustworthy.  Besides, every time you turn on the TV set you hear about another schemer preying on the victims of the “worst economy since the Great Depression”… or at least since Jimmy Carter.

And all the while, the debt collectors continue to call multiple times a day.  They bother you at home, they bother you at work, and some of them have spoken to friends to try to find you… and they have revealed your personal information too.  Your mailbox is full of collection notices from far away cities.  You’re not even sure if you even owe some of these debts.

If this sounds familiar, then maybe I can help by at least offering you good legal advice regarding the various legitimate options available to you including bankruptcy and mortgage modification.

However, realize that bankruptcy is not the best option for everyone.

Realize also that mortgage modification isn’t the best solution for everyone either.

Many of the people that contact me are not good candidates for my services and I tell them that.  Then I advise them of other alternatives to their financial problems so that they can get back on their feet.

However, for others my services are the best solution.

What’s right for your specific situation?  You owe it to yourself to find out.

Use the “Contact Jim” form on the right side of this page to get in touch with me.  I’ll call you back and we can start to walk your way out of the financial jungle… together.  You don’t have to do this alone.