CHARLES E. GRAINGER

Our firm helps families “get out of the hole.” When someone says “I’m in the hole” it generally means they are unable to pay what they owe. People are in the hole when their debts plus their living expenses combined are higher than their income. While people coming to see a lawyer about their finances often will need a bankruptcy, we take a broader view of their situation in order to make sure that is the appropriate solution because the goal is not to file bankruptcy – the goal is to “get out of the hole.” Even though bankruptcy is a very powerful tool to provide debt relief, other methods of debt relief may be more fitting to their circumstances. Also, obtaining debt relief may not be enough to get our clients out of the hole. We coach our clients and suggest additional measures they may have to take in order to succeed. There are some problems we can’t solve but which we can use our experience to suggest solutions.