The Millstone Times April 2021

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BANKRUPTCY AND A PANDEMIC As we struggle through this pandemic, many of us have gotten a break. Foreclosures have been delayed, evictions have been delayed, lawsuits have been delayed, and credit card companies have offered to let you skip your payment. Unfortunately all that does is buy you time. Interest is still being added and some day whether it is next month or in 2 or 3 months, you will have to pay. So now we get to the question: If you are struggling with paying your bills why you should meet with a bankruptcy law- yer even if you don’t want to file for bankruptcy? As a bank- ruptcy lawyer my job is more than filing bankruptcy petitions. A bankruptcy lawyer can negotiate credit card debt. A bank- ruptcy lawyer can increase your chances of being accepted for a mortgage modification to avoid foreclosure. A bankruptcy lawyer can defend your lawsuits and settle your debts at a re- duced rate or even dismiss them. A bankruptcy lawyer can obtain an installment plan or a compromise on your taxes. A bankruptcy lawyer can help renegotiate your student loans and even sue those lenders who engaged in predatory lending for you. But the important thing to remember is the longer you wait, the less options you have. Unfortunately, coming to a lawyer when you are facing that sheriff sale or a judgment has already been entered against you may leave you with the only option of filing for bankruptcy. Don’t be afraid. Don’t let the stress cause you to bury your head in the sand. We are here to help. Your consultation to discuss your options is always FREE.

• Foreclosure Defense • Loan Modifications • Bankruptcy

• Debt Litigation Defense FREE CASE REVIEW Frances Anne Tomes, Esq. Freehold, NJ 07728 Tel: (732) 333-0681 WWW.TOMESLAW.COM Tomes Law Firm, PC 1 West Main St, 3rd Floor

52 The Millstone Times

April 2021