If you are facing a difficult financial situation, then bankruptcy might be an option for you. You are not alone. With the current tough economic times, everyone is feeling financial pressure more than ever. We understand that financial struggles can be shameful, they negatively affect your relationships and prevent you from living a healthy, low-stress life.
One of the benefits of retaining a small firm to represent you is that we can offer you the personal attention to understand your individual situation and decide together the best steps to take to relieve your financial stress quickly. We know that financial problems compound and can quickly become out of control and intimidating. We are here to help you. You do not need to bare this burden alone.
Contact us for a free consultation. If you do decide to retain us, all calls from debt collectors will be referred to us and you will no longer have to deal with the harassing, threatening phone calls.We can help you with:
- Ending Debt Collector Harassment
- Debt Management
- Consumer Bankruptcy
- Chapter 13 Bankruptcy
General Information and Process for Consumer Bankruptcy:
Around 90% of all bankruptcy cases filed are Chapter 7 Consumer Bankruptcy cases. The benefit of filing for bankruptcy is that all of your existing debt is discharged, and you are given a fresh debt-free start. Once your petition for bankruptcy is filed, your creditors are prohibited by law from contacting you about your debts, and once your debts have been discharged, you are no longer liable to them for your pre-bankruptcy debt. Generally, the stages of a Chapter 7 case are as follows:
• FREE initial consultation—this will allow us to review your assets and debts and help you decide if filing for bankruptcy is the right path for you.
• Bankruptcy Petition is Filed—after filing two things happen: First, a bankruptcy estate is created and all of your non-exempt assets are put into the estate.
• Trustee Appointed—a trustee is appointed to manage the estate assets and pay creditors on a pro rata basis.
• Debt is Discharged—once the trustee has paid the creditors out of the bankruptcy estate, those creditors can no longer come after you when you have received a discharge from the bankruptcy court.Please contact us for a free initial consultation to let us know how we can meet your needs