Bankruptcy

Most people face financial difficulty at some point in their lives –

Often caused by circumstances such as personal injury, illness or death in the family, unemployment or under-employment, divorce, natural disaster, or simply not earning enough income to be able to pay the bills. We know that financial stress can also take a toll on you physically and emotionally. If this describes your current situation, then we understand that you must be very worried. However, we want you to know that you are not alone.

Are you struggling to pay your bills? Or worse, are you in debt?
Are you receiving phone calls from creditors?
Are you worried that you might lose your home through a foreclosure?
Are you afraid your vehicle might be repossessed? Are you being sued by a creditor?

We want to give you hope, and we want to help you resolve your financial difficulty, whatever it may be. We believe that bankruptcy law exists to help honest people get a fresh financial start. Below is a brief overview of Chapter 7 and Chapter 13.

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Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is the simplest and most common form of bankruptcy filed in the United States. It’s the type most people think of when they hear the word “bankruptcy.” Chapter 7 is a liquidation bankruptcy that wipes out most of your general unsecured debts, such as credit cards, medical bills, utilities, payday loans, and repossession deficiencies. This is commonly known as a “Fresh Start.” The advantage of filing a Chapter 7 is that it is the fastest type of bankruptcy, with most cases completing within 90 days. Once a bankruptcy case is filed, the Court immediately puts an automatic stay, or hold, on any collection of the debtor.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy helps individuals reorganize and restructure their finances, while maintaining their property. Although some debt is paid back, it is paid back on the debtor’s terms, not the creditor’s. Chapter 13 cases typically last a minimum of 36 months to a maximum of 60 months. In a Chapter 13, there is the potential to restructure automobile loan payments, pay back tax debt over a period of time without penalties, catch up on home mortgage arrears, and discharge some debt that is non-dischargeable in Chapter 7.

Enforcing Your Rights Under the Bankruptcy Code

In addition to representing clients with the preparation and filing of bankruptcy, we will also seek to enforce your rights against creditors should your rights be violated. You have the right to refer all collectors to your attorney. We will help to enforce the Automatic Stay (all collection efforts must stop once the bankruptcy is filed) and Discharge Injunction (creditors cannot attempt to collect on a discharged debt). If creditors violate these bankruptcy laws, we will sue at no out of pocket cost to you; the creditor’s pay our fees.

Post-Bankruptcy Credit Reporting Help

We enroll all of our bankruptcy clients into the 7 Steps to 720 Credit Score program for free. This program offer credit education to help you understand how to get back on track with your credit. In addition, our firm will help you obtain your credit reports and we will review them for free. If we determine there are any errors on your reports, we will walk you through the process to dispute those errors and enforce your rights under the Fair Credit Reporting Act.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.