Have you found yourself in a difficult financial situation and you can’t seem to get caught up? Perhaps you experienced a lay-off, divorce, or things have simply not gone your way? Let us help you get back on track so you can keep as much of your property as possible.
Our firm understands the bankruptcy laws and how to use them to the advantage of our clients.
Step 1: Welcome to Our Office!
Our Firm has helped thousands of people reduce their debts and get a fresh start. We provide debt relief solutions through Chapter 7 and Chapter 13 bankruptcy. If you don’t have regular income or your income is insufficient, Chapter 7 enables you to eliminate unsecured debts and start over again. For individuals with regular income, but overwhelming debt, Chapter 13 provides the opportunity to restructure your debt with a payment you can afford.
We handle all aspects of your Chapter 7 case for a flat fee. As soon as we file the bankruptcy petition, foreclosure, repossession, and creditor harassment stops immediately! This is known as an automatic stay.
Step 2: Understanding Your Bankruptcy Filing
Chapter 7 Bankruptcy. Filing for Chapter 7 Bankruptcy allows you to eliminate much of your unsecured debt such as credit card debts, medical bills, and personal loans. This in turn allows you to keep your large assets such as your home, vehicle, and other property.
What is the biggest advantage to filing Chapter 7? Well, once the BANKRUPTCY PETITION IS FILED, it stops collection activity such as the creditor harassment, garnishments and the foreclosure process by means of the automatic stay. The automatic stay STOPS CREDITOR HARASSMENT. STOPS GARNISHMENTS. STOPS REPOSSESSION. This allows you time to take a breath and move forward with your life.
Chapter 13 Bankruptcy. Filing for Chapter 13 Bankruptcy provides for a debt adjustment or repayment plan. In most cases, it allows you to reduce your unsecured debt and get caught up over a 3-5 year period while still allowing you to keep your home and personal property. This is ideal for people who have a regular income and property they want to protect. It also allows you to pay off your secured debts over time. Your past due mortgage payments are rolled into your payment plan and paid off in a three to five year repayment plan.
Step 3: Contact Us Now!
If you are in financial trouble, please call our office now for a FREE CONSULTATION. Please understand that by contacting us, this is NOT AN ENGAGEMENT OF REPRESENTATON! This is a MERE INQUIRY UNTIL YOU SIGN THE PAPERWORK IN OUR OFFICE!