• Meet With an Attorney

• Discuss Your Particular Financial Problems

• Discuss Whether Any of Your Assets Are in Jeopardy

• Answer All of Your Questions

• Discuss Options Available To You

• Individuals and Married People (with or without spouse)

• Businesses
• No certain amount of debt required

• Chapter 7 can be filed every 8 years

• Chapter 13 can be filed every 2 years

• A Legal Proceeding TO HELP:
(1) Individuals and Businesses Who Cannot Pay Their Bills;
(2) Individuals Who Are Vulnerable to Foreclosure of Their Homes;
(3) Individuals or Businesses Subject to Aggressive Debt-Collection Efforts.

• Filing Bankruptcy Immediately STOPS All of Your Creditors From
Trying To Collect Their Debts

• Forces Your Creditors into the local Bankruptcy Court

• Provides A Way To Get Out of Debt Once and For All

Bankruptcy may make it possible for you to:

• ELIMINATE debts such as credit cards, medical bills, loans, and deficiencies.
• STOP foreclosures, repossessions, lawsuits, garnishments, and collection.
• CHANGE or modify the terms of your mortgage or HELOC.
• FORCE your creditors to receive less than what is owed or nothing.
• STOP lawsuits, repossessions, foreclosures, garnishments, collection calls

Bankruptcy Laws Are Powerful And Force Your Creditors To Immediately Stop All Collections

There Are Different Reasons To File Each Type of Bankruptcy

It is Important That You Are Represented By An Experienced Local Attorney

• No, but you will have to attend a telephonic hearing, known as a
341 First Meeting of Creditors

• The Hearing is Called a Meeting Of Creditors But Most Creditors Do Not Appear

• The Court Sends Notice of the Meeting To You and To Your Creditors

• The Meeting Is Conducted By A Trustee Who Is Appointed By The Court

• The People/Companies To Whom You Owe Money

• A Bankruptcy is a Matter of Public Record

• Most Newspapers in This Area Do Not Publish That Someone Filed Bankruptcy

• If Participating in Chapter 13, Then Your Employer May Be Aware of Your Bankruptcy, However, It is Unlawful to Discriminate Against A Person
Who Has Filed Bankruptcy On The Basis Of His or Her Filing.

• It Can Appear On Your Credit Report

• YES, Absolutely

• Most People Receive Credit Card Offers Within 90 Days of Discharge

• Your Credit Score Will Likely Improve in the Long Run Because of the Amount of Debts Discharged as a Result of Your Bankruptcy

• Once Debts Are Wiped Out, You Become a Better Credit Risk

• Qualify For a New Mortgage Within A Couple of Years or Sooner

• You Can File Chapter 7 Every 8 Years If You Get Back Into Trouble Again

• Immediately Move Your Bank Account to Another Bank or Credit Union

• Your Bank Can Freeze Your Bank Account When You File Bankruptcy
If You Owe Them Money

• It Is Simple To Reroute Direct Deposits and Electronic Deductions

• We Help All of Our Clients To Insure The Protection of Their Monthly Income

• A Situation in Which an Individual Needs to File For Bankruptcy ASAP to
Stop a Foreclosure, Repossession, or Garnishment.

• Once Case Filed, Creditor Must Stop The Collection

• Bankruptcy is Complicated And You Need An Experienced Attorney Who
Understands That Certain Deadlines Must Be Met

• Our Law Firm Is Prepared To File A Case Within 24 Hours

• WE Are Prepared For Those Emergencies

• In Most Chapter 13 Cases, We Place The Bulk Our Legal Fees In Your Repayment Plan

• In All Chapter 7 Cases, We are Willing to Work Out Payment Plans With Our Clients

• We Can Help You Determine Who To Pay And Who Not To Pay

• All Cases Require Payment of Case Filing Fees, Which Is Included In Your Quote

• Attorney Fees Are Quoted On A Case By Case Basis

• We Let You Refer Your Creditors To Us And We Will Take The Calls

• Our Attorney Fees Are Subject to the supervision of the United States Bankruptcy Court