Especially in our poor economy, where jobs are unavailable or pay is significantly less than what it once was, mounting debt can begin to feel unmanageable and overwhelming. Fortunately, Marcote & Associates, P.C. brings knowledge and skills to help you take control of your debt so you can take control of your life.
We want what is in your best interest, which is not always bankruptcy. When bankruptcy is not your best option, we step in on your behalf to persuade creditors to lower your debt and accept more reasonable monthly payments.
We truly listen to your needs and thoroughly analyze your case to determine if bankruptcy offers the most effective way to ease your financial burden. We review your debts, income and expenses, and explain the ultimate impact bankruptcy would have on your family, business, home, and future credit. We answer all your questions about the bankruptcy process and the outcomes you should expect. Our compassionate approach to bankruptcy leaves no surprises.
Creditors’ aggressive collection methods unfairly compound the stress of escalating debt. You can put an end to the constant harassing phone calls and letters meant to intimidate you into paying debts you cannot afford. As soon as you file for bankruptcy, creditors must immediately stop collections efforts, including those distressing letters and phone calls. We then deal with your creditors so you can regain your peace of mind.
The U.S. Bankruptcy Code provides relief for businesses and consumers. Each has different eligibility requirements and different advantages in particular situations. The most common forms of bankruptcy are:
If bankruptcy is the right choice for you, we stay at your side, guiding you through the process from start to finish.