Financial problems can happen to anyone. A divorce, long illness, lost of job and other reasons beyond your control may make it impossible for you to pay your debts. Bankruptcy may provide you debt relief and help protect your property.
When debts are overwhelming, you want immediate relief. We make time for consultations every business day. Please contact us for an immediate consultation. Bankruptcy consultations only are free!
To start your bankruptcy, we will consult with you as to the appropriate type of bankruptcy for your situation. We will work with you to prepare the Petition and the forms that list your debts, assets and other financial information. Depending on your circumstances and the type of debt you have, many debts will be canceled or repaid over time. Generally, for most individuals, you will file either a Chapter 7 bankruptcy or a Chapter 13 bankruptcy.
Chapter 7
If you have high credit card debt, serious unexpected medical expenses, or other debts you just can’t pay, Chapter 7 bankruptcy may cancel many of your debts. You will get a fresh start, free from the obligation to pay those impossible debts! There is a maximum income level to qualify for Chapter 7. However, if you do qualify, in many cases, you can keep your property and your debts may disappear! Please contact us for more information.
If your mortgage is behind or your car is about to be repossessed, Chapter 13 bankruptcy may let you pay those past due debts over time, while your know your family is still secure living in their home and driving the car! With the help of our attorneys and staff, you will create a plan that allows you to repay these past due debts. Once you have made all your payments your mortgage or car loan will be current and your will have protected those most important assets. You may also have to file a Chapter 13 bankruptcy if your income is too high for Chapter 7. Even in those situations, many times you have to pay less than the total amount of your credit cards and other debts. Please contact us for more information.
