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Alternatives to Bankruptcy

Anaheim Attorney Serving Orange County, Los Angeles County, Riverside County & San Bernardino County

Are you overwhelmed by debt? Do bills keep piling up? Are creditors are looming, threatening your home and wages? Before deciding to file for bankruptcy, consider other options with the help of an Anaheim lawyer. At Ethan Chin Law, we are happy to help our clients understand all their debt options, including recommending any alternatives to bankruptcy they may qualify for.

Attorney Ethan Chin offers free phone and in-person consultations to clients in Anaheim and across Orange County, Los Angeles County, Riverside County & San Bernardino County. Call (714) 551-5595 or contact us online to start today.

What Are Some Alternatives to Bankruptcy?

While bankruptcy is the most well-known option for seeking financial relief, there are many others. When bankruptcy is not the right option for you, there are other ways to get out of debt. Ethan is available 24/7, by appointment, for support and guidance as you discover the alternatives to bankruptcy that you may be eligible for.

Explore some alternatives to bankruptcy, including:

  • Debt settlement – Working with debt creditors or collectors to make payment more manageable.
  • Debt relief program- A company negotiates with the creditors, usually for a lower sum than what you owe.
  • Debt consolidation – A way to refinance debt that involves taking out one loan to pay off many smaller loans.
  • Debt restructuring – Changing the terms of the original debt that allows the borrower to pay back in a more favorable manner.
  • Home loan modifications- Altering the terms of a mortgage to provide a more affordable payment plan for the borrower.
  • Credit counseling- A process that provides financial education, how to budget, and access to tools to help eliminate debt.
  • Short sale – The sale of property which will fall short of alleviating the debt, but in which creditors have agreed to accept.

Negotiating with the creditor for favorable solutions are the purpose of bankruptcy alternatives. Lowering payments, interest rates, or principles can make a massive difference in managing debt. Extending the length of a loan can reduce monthly payments and make debt relief a reality.

High-Quality Representation Directly from Attorney Chin

At EC Law, our attorney dedicates his practice to showing up for bankruptcy clients when they need him most. When you retain our services, you speak directly with a lawyer – not an assistant or a paralegal. Ethan is available on weekends and can even meet with you at a coffee shop to discuss your concerns. Choosing the right bankruptcy lawyer is an important decision. That is why our goal is to provide high-quality representation that can get you on the path to a debt-free life.

Ready to discuss alternatives to bankruptcy? Contact EC Law at (714) 551-5595 today.

Why Choose Ethan Chin Law

  • Available 24/7 By Appointment

  • Meet In A Convenient Location

  • Free & Confidential Consultation

  • Services In English, Korean & Spanish

  • Nearly A Decade Of Experience

  • Optional Payment Plans

  • Dedicated & Caring