People work hard to build a nest egg for retirement. They may have a 401(k), an IRA, and other retirement accounts to help them live out their golden years in financial comfort. It can be distressing, then, to worry that bankruptcy could undo these years of saving. Fortunately, retirement accounts such as these are exempt from bankruptcy proceedings. If you have debt problems, speak with a bankruptcy lawyer right away.
Consumers who are behind on their mortgage or who have suffered a major life change would do well to look into a home loan modification. With a modification, a homeowner can change the terms of their mortgage into something they can afford. This can help prevent foreclosure and keep a person in their home. If you are interested in a mortgage modification, contact a loan modification attorney right away.