{"id":593,"date":"2026-09-24T16:16:45","date_gmt":"2026-09-24T16:16:45","guid":{"rendered":"https:\/\/ssitworks.com\/kalralawfirm\/?page_id=593"},"modified":"2026-09-29T21:33:23","modified_gmt":"2026-09-29T21:33:23","slug":"alternatives-to-bankruptcy","status":"publish","type":"page","link":"https:\/\/ssitworks.com\/kalralawfirm\/alternatives-to-bankruptcy\/","title":{"rendered":"Can I Avoid Bankruptcy?"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_0 et_pb_row et_block_row\">\n<div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>There are a number of companies out there who offer \u201cbankruptcy alternatives,\u201d including credit counseling, creditor negotiation, and debt consolidation, however, they are often found to be scams who charge a hefty fee for their \u201cservices.\u201d<\/p>\n<p>If bankruptcy is not the best option for you or your family, you need to contact a qualified attorney who can give you sound legal advice and assist you in filing any paperwork. Only a licensed and insured attorney can provide you with solid debt consolidation services, or move forward on to bankruptcy if debt consolidation or credit counseling is not working for you.<\/p>\n<p>Debt consolidation often has a high failure rate, often because uncooperative creditors can still file suit against you for non-payment, thereby ruining your entire repayment plan. Or, you may lose your job or change jobs, leaving you without the money to cover your negotiated payments. If something comes up that makes you unable to make even one payment towards your debt consolidation plan, you may begin to start getting harassing phone calls or threatening letters from creditors again, and the creditors may have the ability to foreclose on your home or garnish your wages.<\/p>\n<p>At the Kalra Law Firm, we can provide you with sound legal advice and will help you sort through your options to help you determine if bankruptcy is a viable option, or if you would be better served by one of the alternatives to bankruptcy.<\/p>\n<p>Call the Kalra Law Firm today to schedule an appointment to discuss how bankruptcy can help you start over financially and live the debt free life you\u2019ve always wanted. 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