Debt Relief with Dignity
Save your house!  Save your motor vehicle!  Save your paycheck!
 

We approach bankruptcies differently than any other law firm.  We first try to avoid bankruptcy if possible.  We help our clients budget through detailed income and expense spreadsheets, to track their money, to decrease expenses and increase income, to identify potential compensation in other areas of law of which they may not be aware, to use credit effective, to obtain loans and mortgages after bankruptcy, and to clean up their credit reports.  Clients understand how a bankruptcy can affect a future or past domestic relations case, real estate transactions and other major events such as employer discrimination.  We give clients many documents to make their lives easier. Furthermore, the timing to file a petition takes a great deal of planning and experience to maximize the benefit of bankruptcy laws.  We take a well-rounded approach to help you obtain a Fresh Start!

WE CAN HELP YOU GET A FRESH START IF...

• debt collectors are calling you constantly?

• you are considering 2nd or 3rd mortgages on your home to consolidate your financial obligations?

• you are further behind after working with a credit counseling service?
          be sure that all creditors agree to the plan
          be sure that interest stops accumulating

• you have been served with a complaint to foreclose upon your home?

• legal notice of the foreclosure sale has been in the newspaper?

• you already are paying a hefty child support payment

• a garnishment could result in the termination of your employment

• you owe personal income taxes or real estate taxes?

• you have had long term unemployment

• you are considering a divorce but divide debt, not assets

• you are responsible for overwhelming medical bills

• you are living beyond your means

• you are considering a consolidation loan or home equity line to clean up your credit cards

• you have used check cashing services and cannot repay them

• you co-signed for someone who cannot repay the debt

• you are supporting family members who either cannot or will not support themselves

Under certain circumstances, you may benefit from the protection afforded by federal bankruptcy laws that were enacted for your protection and may not have to pay these obligations.

Warning!  Do not rely on foreclosure defense companies!   Maybe they can help you but we have had clients who have been assured that the sale would not go through and then told literally the week of the sale that the sale could not be stopped.  Consult with us to evaluate your case for a chapter 13 bankruptcy in case they are not able to deliver!  You cannot get a bankruptcy petition filed to stop a sale if you wait until the last few days before the sale!  

PROTECT YOUR RIGHT
To discharge the majority of your debts
To keep certain possessions that are exempt from creditors
To possibly keep your residence
To possibly keep your motor vehicle
To file a bankruptcy petition when the filing benefits you the most
Contact our office for a complete list of applicable federal and state laws

ACTION THAT CAN HURT YOU IN BANKRUPTCY
transferring or selling property to a someone at below market value could impede your filing one to six years later
        paying back mom, dad or friends is a preferential payments and the trustee will want them to pay back the $$
you may not make payments over certain amounts, but that you can quit paying creditors
paying off anything with a title and having a clear title
filing at the wrong time and losing a lump sum of money or incurring future medical bills or debt
call us for a complete list of potential pitfalls
 

Do not be embarrassed about filing a petition for bankruptcy. Many people have been involuntarily unemployed, have become disabled, have been through a financially draining divorce, or have high medical expenses due to a serious illness

 Experienced in creditor representation with national and local lenders.

Call us for an application containing an easy-to-understand overview of bankruptcy -- especially what you can keep, danger zones, the differences between a chapter 7 and a chapter 13 petition. With a telephone or office consultation, we may be able to formulate a plan to maximize the protection that bankruptcy law affords you. For example, you may discharge all of your unsecured debt in a Chapter 7 and then file a Chapter 13 to pay the bank only what your automobile is worth, not what you owe the bank.  Another example is to stall a foreclosure in a Chapter 7 while you seek employment and then file a Chapter 13 when you have steady income.