Break Free From Debt!
The bills are piling up. Creditors call constantly. Lawsuits aren't far away and garnishments will soon follow. You may be worried about foreclosure or eviction. If you miss another payment they have threatened to repossess your car. Your next paycheck won't cover the minimum payments on your bills. Beyond the financial burden, debt affects how you feel about yourself. Debt places stress on your marriage or other relationships. Debt can paralyze you mentally and emotionally.
You Need a Fresh Start
Hiring an attorney and seeking relief under the Bankruptcy Code can help free you from the financial and emotional burdens of your debts. Contact my office today to set up a FREE INITIAL CONSULTATION and I will tell you how Bankruptcy can help set you free.
Stop the Harassing Phone Calls - NOW!
As soon as you hire me as your lawyer, your creditors will have to stop harassing you. A Federal Law called the Fair Debt Collection Practices Act prohibits Debt Collectors from continuing to harass people who are represented by a lawyer. Instead of calling you day and night, those debt collectors will have to deal with me. I'll deal with the headache, while you start to enjoy some peace of mind.
Eliminate Your Debt
Chapter 7 Bankruptcy can help you wipe out your debts and start over with a clean slate. Not all debts can be discharged in Bankruptcy, but most credit card debts, medical bills, loans, and other consumer debt can be wiped out.
Rebuild Your Credit
Once you get your Bankruptcy Discharge, you have the opportunity to start rebuilding your credit. I have had many old clients call me years after their cases are complete to share good news. They tell me that they are buying a house or that they have started their own business. You can rebuild your credit too. If you take advantage of opportunities to use credit wisely and are conscientious about making your payments, you can establish good credit even after filing bankruptcy.
It's Not Too Late
Many consumers mistakenly believe that they can no longer file for Bankruptcy protection under the new law. In reality, most people in significant financial distress will still be able to get relief from their debts in a Chapter 13 Bankruptcy. While many people feared that the 2005 changes to the Bankruptcy Code would make it impossible for many people to file for Bankruptcy protection, my experience has been quite different. Most of the people who come to see me do qualify to file Chapter 7. In fact, the means testing provisions in the new law have actually helped to clarify who is eligible for relief. To learn more about how means testing works, click here.
Let Me Help You
Each year, I help many people like you obtain a fresh start through bankruptcy. My goal is to make sure that all of my clients are thoroughly educated about how the bankruptcy process works and that they understand and carefully consider what options they may have as an alternative to filing bankruptcy. While most folks who visit my office have already exhausted other avenues of debt relief, I have helped many clients avoid bankruptcy by exploring creative alternatives which they had not previously considered.
For those who need to file, I assist them in carefully preparing all of the forms and schedules required by the Court and represent them in meeting with the Trustee assigned to their case. Before filing, I do everything possible to ensure that we protect their assets to the maximum extent permitted under the laws. Through careful planning and preparation, I am able to help my clients obtain a discharge from their debts. Finally, I work with my clients after they receive their discharge to help them protect their credit and build a sound financial future.
Disclaimer: Federal Law requires the following disclosure: "I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.
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