The stress of being unable to meet your financial obligations can become severe, leading to sleepless nights, mental exhaustion, emotional turmoil, and the deterioration of your health and personal relationships. Not knowing where to turn or how to handle overwhelming debt can leave you feeling hopeless about the future. All of that can change with sound legal advice and an understanding of the financial solutions established and available under state and federal law.
At the Law Offices of Mark A. Bandy, PC, we are here to help you understand the options you have in the face of crushing debt. We offer more than 20 years of experience, a passion to serve, and a personal one-on-one approach where you will always work directly with an attorney. Our firm is not a bankruptcy mill that churns out cases in which you as an individual are lost in the shuffle of paper; our firm is founded on real service for real people who are treated as real and valued clients as opposed to case numbers.
Our firm can provide the guidance you need regarding many debt relief matters such as Chapter 7 bankruptcy, Chapter 13 bankruptcy, wage garnishments resulting in partial income loss, repossessions of your car, furnishings, or other assets, foreclosure on your home, options for reducing or eliminating student loan debt, how to handle creditor harassment, and how to obtain lien avoidance for judgment liens placed on your property.
At the Law Offices of Mark A. Bandy, PC, we are here to help you understand the options you have in the face of crushing debt. We offer more than 20 years of experience, a passion to serve, and a personal one-on-one approach where you will always work directly with an attorney. Our firm is not a bankruptcy mill that churns out cases in which you as an individual are lost in the shuffle of paper; our firm is founded on real service for real people who are treated as real and valued clients as opposed to case numbers.
Our firm can provide the guidance you need regarding many debt relief matters such as Chapter 7 bankruptcy, Chapter 13 bankruptcy, wage garnishments resulting in partial income loss, repossessions of your car, furnishings, or other assets, foreclosure on your home, options for reducing or eliminating student loan debt, how to handle creditor harassment, and how to obtain lien avoidance for judgment liens placed on your property.
Services
We offer free consultations, weekend, after-hour, and virtual appointments for your convenience.
We are accessible to our clients and are here to answer all questions throughout the process.
When you retain us you can rest assure you will receive excellent representation and the best possible outcome.
Attorney Mark A. Bandy has over 20 years of experience successfully handling bankruptcy filings in Savanna.
Bankruptcy is one way that you can stop the financial pain.
Trapped in a job with low income or no income, making minimum payments on credit cards, barely meeting mortgage payments, you may be sinking deeper and deeper into debt as interest payments and penalties mount.
We are accessible to our clients and are here to answer all questions throughout the process.
When you retain us you can rest assure you will receive excellent representation and the best possible outcome.
Attorney Mark A. Bandy has over 20 years of experience successfully handling bankruptcy filings in Savanna.
Bankruptcy is one way that you can stop the financial pain.
Trapped in a job with low income or no income, making minimum payments on credit cards, barely meeting mortgage payments, you may be sinking deeper and deeper into debt as interest payments and penalties mount.
Chapter 13 bankruptcy is called the reorganization type of bankruptcy.
Your debts can be reorganized and, as in a Chapter 7, at the end of the process, unsecured debt such as credit cards, medical bills, personal loans, and more will be discharged.
Unlike a Chapter 7, however, a Chapter 13 can also help you catch up on mortgage, vehicle, or other secured debt during the plan's process.
Some individuals may not be eligible for a Chapter 7 or may wish to save significant assets which means filing for a Chapter 13.
Your debts can be reorganized and, as in a Chapter 7, at the end of the process, unsecured debt such as credit cards, medical bills, personal loans, and more will be discharged.
Unlike a Chapter 7, however, a Chapter 13 can also help you catch up on mortgage, vehicle, or other secured debt during the plan's process.
Some individuals may not be eligible for a Chapter 7 or may wish to save significant assets which means filing for a Chapter 13.
Many individuals and families live paycheck to paycheck which means any interruption in the income received through those paychecks can have a huge negative impact.
Wage garnishments generally consist of court orders that direct an employer to withhold a certain amount of money from your wages to satisfy a judgement against you for unpaid debts.
Typically, wage garnishments of up to 25 percent can be withheld from your after-tax earnings.
This means a devastating 25 percent reduction in income that can quickly lead to a financial meltdown where you cannot make ends meet.
Wage garnishments generally consist of court orders that direct an employer to withhold a certain amount of money from your wages to satisfy a judgement against you for unpaid debts.
Typically, wage garnishments of up to 25 percent can be withheld from your after-tax earnings.
This means a devastating 25 percent reduction in income that can quickly lead to a financial meltdown where you cannot make ends meet.
The threat of losing your car can lead to major pressure and worry.
All of us depend in a significant way on our vehicles.
Cars are essential to individuals and families throughout the cities and states of this country.
Having to depend on public transportation or the generosity of family or friends can be time-consuming, and bothersome to all parties.
What happens when the lender calls to tell you your car is going to be repossessed?
Life can grind to a stop and you will be scrambling to figure out a solution.
All of us depend in a significant way on our vehicles.
Cars are essential to individuals and families throughout the cities and states of this country.
Having to depend on public transportation or the generosity of family or friends can be time-consuming, and bothersome to all parties.
What happens when the lender calls to tell you your car is going to be repossessed?
Life can grind to a stop and you will be scrambling to figure out a solution.
If you've fallen behind on your home mortgage, a Chapter 13 bankruptcy may be the best way to give you the opportunity to catch up on your delinquent mortgage payments.
The cost of housing in Savannah and the surrounding areas has increased over the past several years and, in many cases, your monthly mortgage payment may be less than the cost of renting an apartment.
Bankruptcy can help you keep your house and get you current with your lender.
If you believe your lender may be about to foreclose on your home but you are not certain, it is vital that you take action.
The cost of housing in Savannah and the surrounding areas has increased over the past several years and, in many cases, your monthly mortgage payment may be less than the cost of renting an apartment.
Bankruptcy can help you keep your house and get you current with your lender.
If you believe your lender may be about to foreclose on your home but you are not certain, it is vital that you take action.
Reviews
Be the first to review Law Offices Of Mark A. Bandy, PC.
Write a Review
