Crabill Law, LLC

  Serving Delaware Residents in New Castle County, Kent County, and Sussex County

Credit Card Debt and Debt Relief

Struggling with debt can be stressful and disheartening.  When bills begin to pile up, it can be difficult to see the light at the end of the tunnel.  Fortunately, for many people, filing bankruptcy can provide a much needed fresh financial start.     


Crabill Law represents clients throughout the State of Delaware who are in need of debt relief and are considering filing bankruptcy.  

What Can Bankruptcy Help You Do?

STOP FORECLOSURE

STOP A SHERIFF SALE

SAVE YOUR HOME

STOP WAGE GARNISHMENTS

PREVENT OR GET JUDGMENTS DISCHARGED

GET RELIEF FROM MOUNTING CREDIT CARD DEBT

HELP WITH UNEXPECTED MEDICAL BILLS

ALLOW YOU TO PAY OFF TAX DEBTS AND/OR GET TAX DEBT DISCHARGED

STRIP A SECOND OR THIRD MORTGAGE

IMPROVE YOUR CREDIT SCORE

TAKE CONTROL OF YOUR FINANCES

IMPROVE YOUR FINANCIAL FUTURE

GET A FRESH START

Should I File for Bankruptcy?

When facing significant credit card debt and mounting bills, it can sometimes be difficult to decide what steps to take next.   Many people find themselves asking whether filing for bankruptcy is an option.  They are often scared to find out.


One of the biggest misconceptions people have about bankruptcy is that they will lose their home or personal belongings.  In the majority of cases, bankruptcy is an option that ALLOWS PEOPLE TO PROTECT AND KEEP THEIR PROPERTY.   It prevents creditors from taking it!


Another common misconception is that after filing bankruptcy, you are unable to finance a vehicle, get approved for a mortgage or rebuild your credit.  In fact, people can finance vehicles while they are in bankruptcy, many are approved for mortgages only a few years after a bankruptcy discharge and, much of the time, a bankruptcy discharge can help you rebuild your credit faster.


Perhaps the most common mistake that people make is waiting too long to find out about  their bankruptcy  options.   They wait until their wages are garnished, their cars are repossessed or their mortgages are in serious default.   Many, with the best of intentions, struggle for years only to lose an uphill battle. The sooner you find out about your options, the better off you are.  Consult with a bankruptcy attorney today


At Crabill Law, I work closely with all of my clients to ensure that they understand their options.  Bankruptcy is not the right choice for everyone but it is a tool that may help you get financially on track.  It is a right granted by Congress for the purpose of providing relief to people so in debt that they are unable to adequately provide for themselves or their families.   If you are struggling, find out if bankruptcy is something that can help you!


What is the Purpose of Bankruptcy?

The principal purpose of the Bankruptcy Code is to grant a ‘fresh start’ to the ‘honest but unfortunate debtor. 2007 – Marrama v. Citizens Bank of Massachusetts, 127 S.Ct. 1105


The central purpose of the [Bankruptcy] Code is to provide a procedure by which certain insolvent debtors can reorder their affairs, make peace with their creditors, and enjoy ‘a new opportunity in life with a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt. 1991 – Grogan v. Garner, 111 S.Ct. 654


One of the primary purposes of the Bankruptcy Act is to ‘relieve the honest debtor from the weight of oppressive indebtedness, and permit him to start a fresh free from the obligations and responsibilities consequent upon business misfortunes’. This purpose of the act has been again and again emphasized by the courts as being of public as well as private interest, in that it gives to the honest but unfortunate debtor…, a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of pre-existing debt. 1934 – Local Loan Co. v. Hunt, 54 S.Ct. 695


It is the purpose of the bankrupt act…to relieve the honest debtor from the weight of oppressive indebtedness, and permit him to start afresh free from the obligations and responsibilities consequent upon business misfortunes. 1915 – Williams v. U.S. Fidelity & Guaranty Co., 35 S.Ct. 289

SCHEDULE A FREE LEGAL CONSULTATION TODAY

302-476-2224