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Debt Consolidation

Debt Consolidation Can Save You Time, Money and Headaches in Indiana

Merrillville attorneys providing tools to rebuild your life

Filing bankruptcy is only one of the ways you can eliminate or reduce the amount of debt you owe. At the Law Office of Weiss, Schmidgall and Hires, P.C.,, in Merrillville, Indiana, we offer a free consultation with an experienced bankruptcy attorney to discuss alternatives to bankruptcy such as debt consolidation and negotiation with your creditors.

What is Debt Consolidation?

You may be in a position where you can afford to pay some of your debts, but you simply cannot manage to pay the whole amount at once. Through the debt consolidation process, you hire an attorney or someone else to negotiate with your creditors to accept less than you owe to settle your debt.

However, unlike Chapter 13 bankruptcy, however, your creditors do not have to accept debt negotiation or consolidation, although many do. If one of your creditors refuses to go along, then they can still pursue collections and judgments against you and you may still face adverse creditor actions such as wage garnishment or harassment.

Do I Need an Attorney for Debt Consolidation or Negotiation?

As bankruptcy attorneys, we often can put you in a stronger negotiating position than a credit counseling firm which is run by non-lawyers. Creditors may be more willing to accept less if the alternative is bankruptcy — and them ending up with nothing.

As attorneys, we also have a legal duty to put your best interests above our own. Credit counseling firms are largely unregulated and may enroll you in a debt repayment plan that is not in your best interests. They also cannot legally give you legal advice. For example, if your financial interests would be better served by filing bankruptcy, credit counseling companies cannot tell you, but our lawyers will.

Free, Confidential Attorney Consultation

Call the Law Office of Weiss, Schmidgall and Hires, P.C., today to discuss debt consolidation and debt negotiation with an experienced lawyer. We offer flexible payment plans and can begin working on your bankruptcy case for as little as $100 down. Day, evening and Saturday appointments are available. Contact us today.

We are a Debt Relief Agency, We Help People File For Bankruptcy Relief Under the Bankruptcy Code.

Victoria Bain Attorney Photo
Victoria Bain

About Victoria Bain joined Weiss, Schmidgall & Hires as an associate attorney in 2023. She is a graduate of The University of Illinois Chicago School of Law. Victoria received her Bachelor of Arts in Political Science from Valparaiso University. During her time in college, she taught classes to incarcerated men at the Westville Correctional Facility,…

Christopher R. Schmidgall Attorney Photo
Christopher R. Schmidgall

For more than ten years, Christopher Schmidgall has protected the lives of people who find themselves caught in the tangled machinery of criminal prosecution. With the skill and determination he’s demonstrated throughout his life, Chris offers them the help they need to get their lives back in order. Not long after graduating from Valparaiso...

Amanda C. Hires Attorney Photo
Amanda C. Hires

Following a remarkably accomplished academic career, Amanda Hires applied her record of success to servicing good people facing difficult situations. She served as a volunteer at the New Orleans Public Defender’s Office and worked intensively with prosecutors and defense attorneys while under the guidance of Judge Sheila Moss at the Lake County Superior Court...

Jessica McPheeters Attorney Photo
Jessica McPheeters

Jessica McPheeters is an associate attorney with her primary focus being in Estate Planning, Probate, Business Formation and Planning, and other general practice matters. Jessica received her Bachelor of Science in Business Administration with a concentration in Economics from Ball State University in 2014. Jessica then received her Juris Doctor from Valparaiso University School of Law...

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    If you're looking for an expundgment this is the place to call!! The process was quick and affordable!! If it wasn't for the help and care I recieved here I wouldn't have my brand new start in my life today! I passed my first background check and rec...

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    Nykkie Dee

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    Chris and his staff have help my get back on track. When I need guidance on my finances Chris helped me make the best decision. I’m less than 2yrs I was debt free! He is the type of attorney that is always willing to help. My family and friends all...

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    Great people

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    David Thomas Jr

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    They helped me get my driver's license reinstated. They're affordable reliable and trustworthy. I am very thankful for their help and highly recommend their service.

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    Nikky Robinson-Parks

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    Couldnt be happier with the results attorney Hires accomplished on my behalf. Even over a year after the legal services were completed the office still answered any questions and would provide any paperwork needed.

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