With nearly 30 years of experience, Darin D. Pinto has worked through a wide variety of financial problems for clients throughout his career. However, there is no cookie-cutter approach here. He will take the time to listen to the unique details of your personal situation and find a solution that works for you.
He gives you the truth upfront and will not sugarcoat the situation but do so without judgment. His care for his clients is evident - so much so that some tend to think of him as a financial therapist. Not everyone who has fallen behind financially will need to file for bankruptcy. There are many alternatives that could be a fit for your particular situation, such as a home loan modification.
He gives you the truth upfront and will not sugarcoat the situation but do so without judgment. His care for his clients is evident - so much so that some tend to think of him as a financial therapist. Not everyone who has fallen behind financially will need to file for bankruptcy. There are many alternatives that could be a fit for your particular situation, such as a home loan modification.
Services
If you are in debt and wonder how you will pay your bills, you are not alone. Many people you know within the Westfield community may not discuss their personal financial situations. Yet, the Law Offices of Darin D. Pinto, P.C., has dedicated nearly three decades to problem-solving solutions for overwhelmed New Jersey residents.
Money problems can be devastating when you feel like things are out of control. Constant calls from debt collectors can be frustrating, adding further stress to an already overwhelming situation. The Law Offices of Darin D. Pinto, P.C., focuses on the financial needs of clients in Westfield and the surrounding areas.
Chapter 7 bankruptcy is what most people think of when they hear the term "bankruptcy." This type of filing effectively wipes out most of your outstanding debt, putting an immediate end to harassment from creditors and other collections activities. This type of bankruptcy is not right for everyone, and certain qualifications must be met to be eligible for this type of protection.
Chapter 13 is an effective means of addressing overwhelming debt for people who have some form of steady income, whether through a job, unemployment benefits or another source. Unlike Chapter 7, which discharges most of your debt immediately, filing for Chapter 13 will reorganize your debt and allow you to pay down your debt through affordable payments over a three to five-year period.
You only have to be late making one mortgage payment for a lender to begin foreclosure proceedings. When you are struggling with home loan debt and other forms of debt, it can feel impossible to ever catch up. The good news is debt relief options are available and, in some cases, you may even be able to hold onto your home.
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