Resources

Debt Relief Resources

Navigating debt can be overwhelming, but access to the right resources can make all the difference. This page is designed to give you just that. Below are links to numerous resources that could prove valuable on your financial journey. Whether you want guidance on budgeting, further details on debtor's rights, or to explore debt relief programs, these resources are a valuable starting point for taking control of your financial well-being.

Should you have questions about debt relief and how an attorney can serve you, do not hesitate to contact my firm. I am Attorney Marshall A. Entelisano, and for 25+ years, I have helped individuals, families, and businesses in Tuscaloosa, across Tuscaloosa County, and beyond. I do what I say I am going to do, provide honest and personalized advice, and leverage my unparalleled experience to achieve optimal outcomes for clients. Consultations are free, so why wait?

Start with The Law Firm of Marshall A. Entelisano by calling (659) 336-2597 or submitting my firm's online contact form.

Bankruptcy Overview & Eligibility

The United States Court website provides a general overview of the bankruptcy process, including details about the many bankruptcy chapters. Similarly, the IRS website briefly explains Chapter 7 and Chapter 13 bankruptcy.

Experian has offered a clear description of the eligibility requirements for Chapter 7 and Chapter 13 bankruptcy, as well as other useful information about filing and rebuilding your credit.

For business owners, bankruptcy can be especially complicated. Allianz Trade has published an article demystifying corporate bankruptcy.

Are you considering filing for bankruptcy? The National Consumer Law Library provides extensive considerations to make before doing so. NerdWallet has also published a useful article describing when bankruptcy is a great option for obtaining debt relief.

Beyond Bankruptcy: Debt Relief Alternatives

For those looking to get out of debt and are wary of bankruptcy, there are alternate routes. The Federal Trade Commission (FTC) has created a comprehensive guide to debt relief options, like credit counseling and consolidation. Additionally, Debt.org has also published a guide outlining the differences between various debt relief options and bankruptcy, and Experian has offered a useful blog exploring bankruptcy alternatives.

If you are interested in debt settlement and consolidation, as well as other similar routes, the Consumer Financial Protection Bureau (CFPB) has provided detailed descriptions of these things and how to protect yourself as you seek debt relief.

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Protection from Creditor Harassment, Wage Garnishment, Repossession, & More

The Fair Debt Collection Practices Act protects individuals from debt collectors. The FTC has created an informative guide that details the rights of those in debt and how to safeguard themselves against creditor harassment and other forms of abuse. The National Association of Consumer Advocates (NACA) has also offered a valuable article about debtor's rights.

For those interested in getting a clear understanding of wage garnishment, the U.S. Department of Labor has published a concise definition of it. Payroll company ADP has also compiled an article that provides essential information about wage garnishment and how it works.

Are you concerned about your property being repossessed or wondering what to do after you have lost a car or another valuable asset? The CFPB has published helpful information about what to do if your car has been repossessed. Equifax has also outlined what to know about repossession.

Should you struggle with student loans, the U.S. Department of Education has shared information on how to avoid defaulting and what to do if you default. NerdWallet has also published an article about wage garnishment for student loans.

Have you experienced creditor harassment? The CFPB has defined and provided examples of creditor harassment. The FTC has also overviewed the laws that govern what creditors can and cannot do.

Important Things to Consider

The information above is simply for general knowledge. To get specific advice on your situation, consult an attorney like myself.

Additionally, you should be wary of companies promising to “erase” debts or guarantee quick results. Many of these organizations underdeliver and, at times, are conducting scams.

Finally, routinely check your credit report to identify errors and make certain your information is accurate. A free copy of your credit report is available once a year from the three major credit bureaus, Equifax, Experian, and TransUnion, at AnnualCreditReport.com.

Do you have more questions about debt relief? Set up a free consultation at The Law Firm of Marshall A. Entelisano. Call (659) 336-2597 or reach out online.

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