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Bankruptcy Alternatives

Filing for personal bankruptcy is often the best way for debtor(s) to get a "fresh financial start" whether it be wiping out/discharging all our client's general unsecured debts or saving a home from foreclosure due to either mortgage arrears, or debtor(s) ability to "cramdown" wipeout an unsecured second or third mortgage on their residence or other real property. However, some debtor(s) are often able to take advantage of other debt relief alternatives in addition to or in lieu of, filing for personal bankruptcy protection. These alternatives include, but are not limited to securing a Home Affordable Mortgage Program ("HAMP") mortgage modification with their mortgage lender(s), securing a non-HAMP mortgage modification with their mortgage lender(s), (most mortgage lenders have their own in-house mortgage modification programs in addition to the Federally back HAMP program), negotiating creditor workouts with debtor(s) individual creditors, negotiating a short sale agreement whereat clients can payoff less than the full balance of their mortgage(s) loans based on the insufficient equity in our clients' real property securing the mortgage, deeds in lieu of foreclosure, forbearance agreements as well as other alternatives.

Mr. Alster will be able to answer all questions concerning these alternatives and will expend whatever time is necessary to assure that a prospective client is able to make a fully informed decision as to the best debt-relief option or multiple options that are available.

Call our firm today to learn more about what bankruptcy alternatives may be available for you. The right choice in legal help today can make a major difference as you begin to build for a better tomorrow.

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

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The Law Office of Marc G. Alster - Hackensack Bankruptcy Attorney
Located at 2 University Plaza Drive, #311, Hackensack, NJ 07601.
Phone: (201) 878-4630.
Local: (201) 883-1190.
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