Chapter 7 & 13 Bankruptcy
Debt problems can happen to anyone. They can seem scary and overwhelming to navigate. Losing a job, loss of income, medical problems, divorce and many other life events can cause financial distress. I am here to help you understand and navigate this troubling time.
In my 30 years of experience in this field of Law I have seen many different financial situations ranging from random life disasters like job loss, loss of income, medical issues, and divorce to situations involving living beyond one’s means and unplanned circumstances. I am sure that no matter your situation I can advise you in the right direction and help you navigate through this rough period of time.
Filing for bankruptcy can seem intimidating and even scary. No matter the circumstance it is always helpful to get a second opinion on what can be done to mend this troubling situation. This is why I practice a hands on approach with all of my clients to assure them that I am here to advise them in anyway they need and lead them through the process. In my previous experience working at a larger law firm this was not the case and at times I felt disconnected from my clients which is why upon opening my own practice I made sure that I personally saw and advised all of my clients as I understand this can be a very confusing time in life and I wanted to make sure my clients know I am behind them the whole way.
In the case you are unsure if filing for bankruptcy is for you I also offer free consultations to see what your options may be and to inform you on how you can begin to go about handing this troubling situation.
FAQ’s
“Should I file for bankruptcy?”
Bankruptcy can prevent creditors from pestering you and can help you start fresh by removing the legal obligations of paying debt depending on your financial situation. Bankrucpty can be good option for those who are facing mortgage foreclosure or a wage garnishment for unpaid debt, failed business venture, facing disaster, unplanned circumstances or simply over extended and not able to keep up with payments.
“Are there other options than filing for bankruptcy?”
Yes! A reputable debt credit counseling agency can be a good option for those looking for help managing their debt and is a good choice to tun too before filing for bankruptcy. It also may be a good idea to receive advice from a bankruptcy lawyer as well to see what your different options may be in this troubling time.
“Should I file for chapter 7 or chapter 13?”
You should seek advice from an experienced lawyer on which one better suits your situation. It is typically based on your income, expenses, assets, and essential financial obligations. Chapter 7 bankruptcy is applied when a person is making an application for their unsecured financial obligations or debts to be discharged in full. Chapter 13 is a reorganization or a payment plan where people pay their debts through a court ordered repayment plan. How much they have to pay depends on their assets and their expenses.
