greensboro_bankruptcy

These are tough economic times and more and more people are considering bankruptcy because of a job loss, high interest rates that make paying off credit cards nearly impossible, adjustable mortgages that they can no longer afford, past due mortgage payments, or simply too much debt. If you are in any of these situations or just can no longer manage your debt, you are not alone. Bankruptcy is nothing to be ashamed of and is designed to help you get through these difficult times.

If you are serious about filing, you are required by law to complete a credit counseling class before you file. This can be done online usually in less than an hour at Hummingbird.org. The fee to complete this credit counseling online course is $34.00. However, this fee is not charged until we retrieve your certificate of completion when you are ready to file your case. We collect the fee from you at that time and pay Hummingbird directly, so you can take the course now without worrying about the cost should you change your mind about filing before you retain us.

If you are considering filing bankruptcy, click on the links below to learn more about the different types of bankruptcy.

If you are ready to begin the process, please download our intake questionaire on the left side of this page. Call my office to schedule an appointment, and bring the completed questionaire with you. This will help us assess your case when you meet with us and can expedite the filing process.

The Spagnola Law Firm is a federally designated debt relief agency. We help people file bankruptcy.

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