Act Now Legal Service

Since 1996, we have been providing highly attentive personal service and vigorous, effective legal representation to our clients, helping people eliminate debt and stop creditor harassment by filing Chapter 7 and Chapter 13 Bankruptcy. Financial rehabilitation also includes rebuilding one's credit by achieving a 720+ credit score 12+ months post-bankruptcy, and learning sound money management principles.

Chapter 7 is a bankruptcy liquidation, commonly referred to as a "straight bankruptcy". Chapter 7 Bankruptcy allows individuals, self-employed individuals or debtors otherwise engaged in business, including incorporated entities, as well as Debtors engaged in business, to discharge their debts.

Chapter 7 provides complete relief of unsecured debts, in a relatively short period of time, in that it normally takes 4-5 months from the date of filing to the date of discharge.A bankruptcy discharge releases individual debtors from personal liability for their debt.

At Cynthia L. Carroll Law, we know that your bankruptcy is only part of your concern: You also want to get back to a normal life. This includes rebuilding your credit score as fast as possible. For years, we have been meeting with clients who are terrified about the future: How will you survive in a world that will judge you based on your credit score?

We offer debt settlement/negotiations for those who do not qualify for bankruptcy, due to excess income or assets, those who want to eliminate unsecured debt but cannot afford Chapter 13 plan payments, or for those who wish to avoid bankruptcy at all costs, but still desire to become debt-free. We offer true debt settlement plans which eliminate 40 to 60% of the outstanding balances on your unsecured debt.

Family Law encompasses a wide range of matters. You need an attorney who can handle your case with sensitivity, professionalism and expertise. We understand how difficulty this process can be and work to ensure that our clients have peace of mind during this process. We guide our clients and support them while offering the highest quality legal representation.