Personal Bankruptcy Lawyer in Modesto, California
Certain debts are not dischargeable in bankruptcy. Student loans, child and spousal support (alimony), taxes owed within the last three years, and punitive damages from lawsuits cannot be discharged. Nevertheless, there are some things the Law Office of Thomas P. Hogan may be able to do for you that can reduce or help you manage your non-dischargeable debt burden.
In a free half-hour consultation, Thomas Hogan can evaluate your situation and discuss what he can do for you. Call 209-409-3103 to arrange for your consultation.
Reducing Non-Dischargeable Debt
While you cannot eliminate non-dischargeable debt, you can take steps to get it under control. Attorney Thomas Hogan can negotiate with your creditors to fight for reductions in outstanding student loans and other non-dischargeable debts. Because he is a bankruptcy attorney, creditors pay attention when he calls. Mr. Hogan is an experienced negotiator who will use his skills to advocate for reductions in the debt level, extended terms and reductions in interest rates.
Reducing Tax Debt
The people at the I.R.S. are realists. They know that in some cases it is better to settle for a partial payment of overdue taxes rather than demand a payment in full which will never come. Thomas Hogan may be able to negotiate an offer in compromise in which the government will forgive some tax debt in exchange for a commitment to pay the remaining balance. Mr. Hogan may even be able to negotiate a payment plan and extended terms for the tax debt you owe.
Find out if Bankruptcy Is a Viable Option for You
By filing a Chapter 7 or Chapter 13 bankruptcy you may be able to eliminate or reduce your non-secured debts such as credit card debt and medical bills. This can provide additional cash flow which can make it easier to manage your non-dischargeable debts.
The Law Office of Thomas P. Hogan can examine your options and work to help you achieve a new financial future for yourself and your family.
Contact a Bankruptcy Attorney
For a free half-hour consultation with the Law Office of Thomas P. Hogan, call 209-409-3103 or send the firm an e-mail.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
