Important Service Note: All services detailed on this website are offered throughout the United States except for Bankruptcy Assistance. Since this particular service incorporates the involvement of a Bar Certified Attorney in the Merrick Financial & Credit Services network, it is offered to Florida residents only in Miami-Dade, Broward, Palm Beach, Monroe, Indian River, Osceola and Orange counties.

 

After families attempt to resolve their debt issues through some of the services that are detailed on this website, there may be circumstances where filing for bankruptcy is the best solution. We stress that it is a last resort where every reasonable remedy has been pursued first.

 

The purpose of bankruptcy is to help people find permanent and legal relief from creditors. Divorce, job loss, illness, disability and business failure are common circumstances that lead families to seek bankruptcy as a means of debt relief. Unexpected medical costs or extreme mortgage arrears or credit card debt that have gotten seriously out of control are typical situations that can quickly overwhelm an individual or family. However, there is a solution to resolve such cases. Merrick Financial & Credit Services has years of experience of assessing the viability for families to file for either Chapter 7 or Chapter 13 personal bankruptcy. All it takes is a simple phone call or email for one of the Merrick professionals to make the related evaluation.

 

If after the evaluation is completed and it is determined the individual is a viable candidate to file for either Chapter 7 or Chapter 13 personal bankruptcy, Merrick Financial & Credit Services will prepare the Application and related gathering of data and documentation necessary to refer to the Agency Bankruptcy Attorney. You will have the satisfaction of knowing your case will be handled by an Attorney with many years of experience who focuses solely on bankruptcy. This experience allows the bankruptcy to be handled correctly the first time. In addition, the client ultimately is charged a discounted rate for going through the evaluation and administration offered by Merrick Financial & Credit Services. This additional preparation service is not offered by the Agency Bankruptcy Attorney.

 

People commonly misconceive the effect filing for bankruptcy can have on their lives. While we do not endorse this action if other debt relief solutions such as the ones offered on this website have not been pursued first, there is no reason that individuals and families cannot rebuild their creditworthiness and financial lives in a relatively short period time after filing. Many believe they will never be able to re- establish credit, or obtain another credit card or buy a house or automobile. Nothing can be further from the truth. In fact FHA lending guidelines permit prospective homeowners to obtain a mortgage just two years after the bankruptcy is discharged and traditional conforming mortgages backed by Fannie Mae or Freddie Mac require only five years. For more information and answers to questions that you may have, see below our FREE publication titled FACTS YOU SHOULD KNOW ABOUT BANKRUPTCY. 

 

Contact us and one of our counselors will be happy to assist!  "Remember, all is not lost and there is always a solution for your financial situation. The future can be very bright in spite of the adversity that may exist today". -the Executive team at MFCS

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