With a conveniently located office in Largo, the Law Office of Rowena N Nelson has helped scores of people in and around Maryland and Washington D.C. areas with a variety of legal issues.

According to a Rowena N Nelson review, “This well-known attorney firm has been in the forefront in assisting financially distressed people reorganize their finances.”
It is not uncommon for individuals from various walks of life to experience financially tough times.

For such persons, filing for bankruptcy relief is the only way out to clear debts and make a new start in life.
But whether or not filing for bankruptcy is the best approach depends on several factors.

A professional attorney specializing in bankruptcy cases can advise you on the various factors you must consider.
For most individuals, the choice boils down to two types of bankruptcies.
• Chapter 7 – this allows you to cancel most of your debts outright within a short period, say 3 to 6 months.
• Chapter 13 – Here you can make use of your income to pay off debts over a period of 3 to 5 years.
It is not a bad idea to consider other alternatives to manage financial distress.

According to a Maryland resident, non-bankruptcy courses can provide good solutions. The strategies you adopt can address some key issues; the chief among them being harassment from creditors.

A bankruptcy lawyer will tell you that if bill collectors exceed their limits of harassing you, you can take recourse to The Fair Debt Collection Practices Act, which prohibits lenders from engaging in vicious behavior.
Remember, as per law, a debt collector cannot call you repeatedly, use profane language, contact you at odd hours without your permission, threaten you with imprisonment, or send you papers that resemble legal documents.

As a last recourse, you can even sue the debt collector.
According to one of the Rowena N Nelson reviews, “This legal firm has helped many individuals deal firmly with debt collectors’ harassment”.

Negotiating with creditors is another good option.
If you are continuing to earn some income and have property to sell, negotiating with your creditors is not a bad idea.
“There are good chances your creditors will favorable settle your debts and allow you time to get back on your feet”, says a Maryland based bankruptcy lawyer.
Getting assistance from a counseling agency is another alternative that can work.

Many individuals are not at ease dealing with creditors. Creditors are tough negotiators and, more often than not, inflexible.

There are several nonprofit debt counseling agencies that can work with you to improve your financial stature.
In case you want to know more about such agencies in your area refer to the website of the United States Trustee. Here you can get state wise list of approved agencies that provide credit counseling.

The entire idea of managing your debt is it must not negatively affect you personal life. Choose a decision wisely, if necessary by consulting a bankruptcy lawyer nearest to you.

Author's Bio: 

The law Office of Rowena N. Nelson is among the top lawyer firms in Maryland. This Law Firm provides a wide range of legal services including bankruptcy law, criminal law, and family law.