If you are in overwhelming debt, consider bankruptcy or another form of debt relief to get you on the path towards financial freedom. Let Attorney Mertes help you get where you want to be!

1. VENTURA
BANKRUPTCY
LAWYER
Law Offices of Janet L. Mertes

2. PROTECTINGYOUR FINANCIAL
RIGHTS
If you are struggling with debt, you are not alone!California consistently ranks as the
leading state in number of declared bankruptcies. Given that most debt crisis occur not by
uncontrolled spending, but as a result of an unexpected financial burden, the statistics are
not surprising in today's economy.
At the Law Offices of Janet L. Mertes, we have dedicated our practice to providing the
supportive counsel and effective representation our clients need when confronting an
overwhelming legal difficulty. OurVentura bankruptcy lawyer has helped thousands of
individuals tackle their burden of debt and regain their financial stability.

3. STOP CREDITOR HARASSMENT,
GARNISHMENTS & FORECLOSURES
The bankruptcy codes were created to provide a legal means for consumers to address
their outstanding debt and protect their rights in the process. No matter what type you
declare, filing for Chapter 7 and Chapter 13 bankruptcy can do the following:
■ Put a halt to credit agency harassment
■ Stop wage garnishments
■ Prevent creditor law suits
Petitioning for legal debt relief can alleviate much of the stress associated with
devastating debt so you can begin rebuilding your financial stability.

4. ATTORNEY
MERTES
Due to the unique nature of your
situation, deciding if you should declare
bankruptcy and what type of bankruptcy
would work for you is best done with the
assistance of insightful legal
counsel. Attorney Janet L. Mertes can
assess your circumstances and help you
determine which would be the most
favorable course of action for you and your
financial future.

5. WHAT CAN BANKRUPTCY DO FOR
YOU?
Bankruptcy can eliminate or restructure numerous types of debt, including:
■ Credit card debt
■ Personal loans and lines of credit
■ Medical bills
■ Mortgage debt, including second mortgages and HELOCs
■ Auto loans
■ Some tax debt

6. CREDIT CONSOLIDATIONVS.
BANKRUPTCY
The television jingles guaranteeing debt relief through consolidation are full of hollow
promises. In reality, credit consolidation may actually increase your debt obligation
and make it harder to rebuild your good credit.There is no law mandating any of your
creditors to accept consolidation.Additionally, if they do "forgive" your debt, the amount
you owed can now be considered as income and subject you to an unexpected tax bill.
Bankruptcy, on the other hand, is governed by federal and state law.Once granted, your
creditors have to adhere to the terms stipulated by the courts.

7. FREE
CONSULTATIO
NAt the Law Offices of Janet L. Mertes, we
recognize excessive debt can have a
significant impact on your day-to-day
life and cause you to be apprehensive
about your future. If you still have questions
regarding bankruptcy inVentura, visit
our bankruptcy FAQ page for relevant
answers to common concerns.