Relief from Creditor Harassment
Our firm can help you stop creditor harassment and negotiate reasonable repayment plans with your creditors. We will also seek to assist you in reducing the total amount of your debt and obtaining agreements for lower interest rates whenever possible.
Legal Relief from Debt
If you are faced with overwhelming consumer debt or debt you believe you will never be able to finish paying, and your problems cannot be solved by negotiated repayment agreements, you may be entitled to legal protection from your creditors. Federal Law provides for protection that can stop foreclosure, creditor harassment, repossession of vehicles, and other creditor actions and give you a new start.
The decision to file for bankruptcy protection under federal law is a serious one. It is not appropriate for everyone. We require a personal consultation before we counsel you on whether or not this option is appropriate for you.
IMPORTANT: if you are threatened with foreclosure, repossession, or other property seizure, you must contact us before one of those events occurs. We cannot help you “stop” a foreclosure, repossession, or other property seizure that has already occurred! Occasionally, under special circumstances, we may be able to help restore property to you that has been seized by a creditor, but not often.
There is no cost and no obligation for the initial advisory consultation.
After speaking with you and analyzing the circumstances of your specific debts, we will determine whether you qualify for federal bankruptcy protection, and advise you as to what other options may be available, as well.
There are two types of bankruptcy available to individuals or married couples: “Chapter 13” and “Chapter 7.” If your individual circumstances qualify you to file for bankruptcy protection, there are likely to be important reasons why one of these two choices is the better one for you. We can advise you as to the reasons why you may wish to choose one over the other in your specific case, at your initial consultation.
Chapter 13 Bankruptcy allows you to pay overdue amounts on your mortgage, automobile loan, or other debt over a period of time, and keeps creditors from foreclosing, repossessing or seizing the property while you are catching up on these amounts, as long as you obey the terms of the repayment plan set up as part of your case.
Chapter 7 Bankruptcy allows you to keep your “exempt” property,
and nullifies, or “discharges” some types of debts. Chapter 7 Bankruptcy
does not involve a time repayment plan on overdue amounts.