Getting You Back on Solid Ground
When you are struggling with debt, the things that provide you with stability - your house, your job, your family - can seem all too fragile. But debt doesn't have to tear your life apart. You have options. We are here to here to guide you through your debt relief options. We provide services for Individuals and Corporations filing for Chapter 7 or Chapter 11 and Chapter 13 bankruptcy we also represent creditors and debtors in adversarial proceedings and in complex bankruptcy matter s
Discover Your Debt Relief Options
Before you file for bankruptcy, it is important to know exactly what you can accomplish. Filing for bankruptcy can:
- Stop wage garnishment.
- Stop collection actions, including harassing phone calls from creditors or lawsuits attempting to collect a debt.
- Stop foreclosure.
- Discharge unsecured debt.
- Give you time to catch up on past due mortgage payments.
What does this all mean?
Bankruptcy can be a confusing area of the law for many people. When we meet, I will explain the process and answer all of your questions. I will make sure that you are not "lost in the process" and that you understand how, together we will work your case through the bankruptcy system. To get you started, I'm providing some basic information about bankruptcy:
- Only an attorney can give you legal advice as to the best approach to resolving your financial issues as well as represent you at the meeting of creditors or any court appearances. A bankruptcy attorney or a document prepared can work through the paperwork with you, but only an attorney can answer your questions along the way.
- Bankruptcy allows you to discharge some or all of your debts."Unsecured debts" are amounts you owe that are not tied to property, like credit cards. "Secured debts" are amounts that you owe that are tied to property, like a mortgage or car loan.
- "Exemptions" allow to keep certain amounts of specific types of property; you may not have to lose your home, your car, your family heirlooms or other property. The amount of the exemption depends on the type of property.
No two bankruptcies are exactly alike. With my years of experience in this area of the law, I will be able to tell you what a bankruptcy would look like based on your own financial situation.
Choosing the Appropriate Chapter
Contact our firm to in discuss in detail the best approach to your financial circumstances and the type of bankruptcy that would potentially suit your financial situation - a filing under Chapter 7 or under Chapter 13 of the bankruptcy Code. Or for businesses a Chapter 7 or 11.