Debt Consolidation

Bankruptcy Lawyers in Wilmington, Delaware

You have probably seen the ads on television or heard them on the radio: offers of "debt consolidation" or "credit counseling" services that promise to miraculously solve your debt problems. At Carucci Butler, LLC, we urge you to use caution when contacting these companies. Paying them for these services could make your debt problems much worse, not solve them.

Are you struggling with debt? Contact us today to discuss real debt relief options with a highly-qualified attorney.

The Law Offers True Debt Relief

Private companies who offer to "reduce your debts by 50%" or "get creditors off your back forever" make big promises, but offer little in the way of details. Most of these companies will do nothing more than take what money they can get from you and leave you with the same mountain of debt, but now with less money to pay it. In reality, there are ways to get creditors off your back and reduce or completely eliminate your debts, and they are governed by federal and state debt relief laws. At Carucci Butler, we know how to use those laws to your advantage, offering you a wide range of true debt relief solutions, including:

If an offer from a "debt relief company" sounds too good to be true, it usually is. We can't promise you amazing results, be we can promise you we will use our extensive knowledge of the law to seek the true debt relief you need and deserve.

Chapter 13 Bankruptcy: Real Debt Consolidation

The easiest way to consolidate your debts is to obtain a home equity line of credit or other loan from a reputable bank. But this requires a certain level of steady income, sufficient equity in your home, and a good credit rating. Let's face facts: you wouldn't be looking for other ways to consolidate your mounting debt if you met all of those criteria. Negotiating with your numerous lenders may work in the short term, but it doesn't solve the problem of too many debts and too many high interest rates.

The only other legitimate debt consolidation program is Chapter 13 bankruptcy. The protections of Chapter 13 bankruptcy allow you to restructure and often significantly reduce your debt into a manageable payment plan. Filing for Chapter 7 or Chapter 13 bankruptcy will put an immediate end to creditor harassment, repossession, wage garnishment and other debt collection actions that are being taken against you. Our attorneys help many clients resolve their debt problems by guiding them through the bankruptcy process.

Take the First Step to Debt Relief

If you are struggling with debt and are looking for true debt relief, we are here to help. Contact us today online or by phone at 302-504-8089 to speak with an experienced Delaware attorney. We offer all bankruptcy and debt relief clients free initial consultations. For your convenience, we accept MasterCard and Visa.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.