Free Bankruptcy Evaluation and Consultation

Chapter 7 Bankruptcy is for those with primarily unsecured debts. In a few short months, your debts can be discharged and the slate wiped clean. This type of bankruptcy involves the liquidation of assets in order to make payments to creditors. In most cases, you will be able to keep your house, car, 401k, pension, IRA, and personal property. Our Chapter 7 bankruptcy attorneys can help alleviate the pain and pressure of overwhelming credit card, utility, medical, and other debt not secured by property. We offer low-cost, flexible payment plans. Contact us now for a free bankruptcy consultation!

Chapter 13 Bankruptcy involves the payment of a percentage of your debts over a three to five year period and is one of the most effective means of keeping your property. If you are faced with months of missed mortgage payments or are facing foreclosure or repossession, Chapter 13 can help restructure your financial situation and help you save your home. We offer a free bankruptcy consultation and no money down Chapter 13 cases for qualifying clients (except for filing fees and credit counseling as required by the bankruptcy court).

Making the decision to file for bankruptcy can be a tough. Our attorneys will evaluate your personal financial situation to see if you can benefit from debt relief through bankruptcy. Often times if you are faced with missed mortgage payments, IRS debt, credit card payments, medical bills, wage garnishments or other debts, you can benefit from debt relief through bankruptcy. If you are constantly being contacted by creditors, filing for bankruptcy can put a stop to their phone calls and letters.

Filing for bankruptcy will stop constant creditor calls, letters, and harassment. As soon as you file for bankruptcy, there is a court-imposed stop put into place on all collections actions, called the automatic stay. At that moment, your creditors can no longer contact you on the phone or through mail without permission from the court.

If you are facing an overwhelming number of bills and missed payments, it’s quite likely that your credit is already in jeopardy. Filing for bankruptcy can help you get a fresh start on your finances and help you rebuild your credit. Our attorneys can personally counsel you on the impact that filing for bankruptcy can have on your credit.

Yes. I can’t tell you how many former clients we’ve had that have come out of the bankruptcy and been overwhelmed with credit offers for vehicles, credit cards, etc. The truth is that you may actually be a better credit risk after bankruptcy than you are now. That being said, it’s important to be responsible with any new credit you obtain. Also, you will want to pay close attention to the terms of the credit offers as they are often accompanied by high interest rates or annual fees.

A number of banks offer “secured” credit cards that will help rebuild credit. Keeping your financed vehicle or mortgaged property current will also help greatly in building your credit. Basically, stay current on your bills and your credit will be on its way to recovery.

No. The bankruptcy code prohibits any employer from discrimination based on bankruptcy filings.

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Our attorneys will provide you with a free one-on-one consultation at a time convenient for you. At this consultation, the attorney will review your financial situation and advise you what options you have—whether bankruptcy is right for you and if your situation is better suited for a Chapter 7 or Chapter 13 case. The consultation is free and there is no obligation to move forward. In some cases we may be able to file your case on the same day to help put you on the path to debt relief.

We offer flexible payment plans for Chapter 7 bankruptcy cases, and in many cases, we offer no money down Chapter 13 bankruptcy cases. Contact us for a free consultation to find out what you may be eligible for.

One of our bankruptcy attorneys will be happy to answer any questions that you might have and help walk you through the process. Our attorneys are available to assist you with your personal situation and help walk you through every step of the process. Should you have any questions in the process of your bankruptcy, our attorneys are easily accessible by phone and e-mail and will give you the attention that you deserve. Contact our attorneys today!