Can you imagine a life without debt?
Most of the people who come to The Law Offices of Justin McMurray, P.A. for help have being living with their debt for so long that they can barely remember what life is like without owing large amounts of money. Debt is, after all, a fact of life for the majority of Americans.
Unfortunately, debt tends to spiral into a debilitating cycle: When your financial resources are already limited by the fact that you have to make monthly debt payments, it becomes tempting or even necessary to borrow more money to afford new purchases. The debt can quickly snowball out of control to a point where it can seem impossible to ever get ahead of the minimum monthly payments and to get out of debt for good.
Debt Can Be a Nightmare
The good news is that it is possible for you to take sweeping and effective action to put an end to your problems with debt. By declaring bankruptcy under Chapter 7, Chapter 11, or Chapter 13, you can see most or all of your existing debt fully discharged within a period of several months or a few years.
After the discharge, you will no longer have any further obligation to pay on your debts. Creditors and debt collection agencies will no longer be calling you or sending you threatening letters in the mail. You will not have to worry about repossessions or wage garnishment.
Freedom from Debt
Imagine not having to spend your days and nights worrying about how you will possibly be able to afford to meet your monthly loan payments. Think of the relief you would feel if you no longer had to keep track of due dates or risk getting hit by steep late fees and interest charges.
Not only will you be freed up from your debts, but you will also have more money available to pay for your living expenses and to afford your car payment and rent or mortgage. You might even be able to set money aside to save for the future. All of these benefits can be yours, but you have to take the first step now by contacting a Jacksonville bankruptcy lawyer for help!