Law Office of Chris Dutkiewicz, P.C. (480) 505-1877

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Alternatives to Bankruptcy

Maricopa County Debt Resolution Attorney

Resolve Your Debt through Means other than Bankruptcy

If you are facing overwhelming debt it is important to understand that you may have options other than bankruptcy for resolving your dilemma. Although Chapter 7 and Chapter 13 bankruptcy filing does have a valuable purpose, it is often preferable to resolve issues with debt outside of the courtroom. 

At the Law Office of Chris Dutkiewicz, P.C., in Gilbert, I have experience helping clients find means other than bankruptcy to resolve unmanageable debt. I have worked closely with many individuals in Maricopa County and the surrounding communities who have faced the loss of their home through foreclosure, harassing phone calls and letters, and stress and anxiety from mounting debt. Contact me to set up a confidential meeting to discuss your options.

I have helped clients use a variety of bankruptcy alternatives to avoid bankruptcy and foreclosures, including

  • Debt settlement or negotiation. In some situations, I am able to negotiate a settlement that allows you to extinguish the debt
  • Short sale of property or deed in lieu of foreclosure. In a short sale, your lender agrees to take your property back for less than the amount owed. In some situations, the lender will take the deed to your property instead of proceeding with foreclosure. Both options have significant consequences, but can be the right solution for clients who want to avoid bankruptcy.
  • Refinancing options. If your credit is still good, but your payments have skyrocketed beyond your means to pay, you may be able to refinance under terms that are affordable. I will help you examine these options.
  • Credit counseling programs. Credit counseling companies can help you reestablish your credit, but often at a significant cost. I will help you do a cost-benefit analysis to determine if using such a service adds value to you.
  • Repairing or rebuilding your credit. I can help you review your credit record to determine if there are errors and if there are ways to improve your rating and lower your interest rate.

If you need a lawyer to help you settle a personal debt, especially if you are facing foreclosure, contact my office to schedule a confidential consultation. I maintain flexible hours and will meet with you at your convenience by appointment.

Law Office of Chris Dutkiewicz, P.C.
3303 E. Baseline Road
Building 4, Suite 107 E.
Gilbert, AZ 85234
Phone: (480) 505-1877

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Arizona Bankruptcy Attorney Chris Dutkiewicz provides Debt Resolution, Debt Settlement, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy and Debt Reorganization legal services throughout Maricopa County, Arizona including such communities as Phoenix, Apache Junction, Gilbert, Chandler, Mesa, Paradise Valley, Camelback, Avondale, Glendale, Peoria, Sun City, Scottsdale, Tempe, and Glendale, AZ.  Whether you need a debt resolution lawyer, Chapter 7 bankruptcy or Chapter 13 bankruptcy attorney, the Law Office of Chris Dutkiewicz can help.

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. Please be aware that this firm is a debt relief agency. Individuals hire this firm to file bankruptcy under the Bankruptcy Code.

Copyright © 2008 by Law Office of Chris Dutkiewicz, P.C. (480) 505-1877. All rights reserved. You may reproduce materials available at this site for your own personal use and for non-commercial distribution. All copies must include this copyright statement.