bank1LIFE HAPPENS TO GOOD PEOPLE!

Bankruptcy is a highly sensitive area of law that deserves the direct time and attention of an experienced attorney in order to advise you properly.

Steve has prepared over a thousand bankruptcies over the course of his career.

He is a skilled professional in Chapter 7 and 13 and can determine if bankruptcy is right for you.

As Steve’s client he will take the time with you that you deserve. Steve offers free consultations at which time he will spend 45 minutes with you personally reviewing your situation and advising you as to your best solution. He is available to offer advice through every step of the process.

Bankruptcy will allow you to stop:

  • Creditor Harassment
  • Foreclosure
  • Repossessions
  • Wage Garnishments

bankruptcyCHAPTER 7
Chapter 7 Bankruptcy allow you to eliminate debts, except for the ones that you and the creditor agree that you will continue paying on, which is call a reaffirmation. A skilled Bankruptcy Attorney can tell you which if any debts are not dischargeable in bankruptcy. Steve will help determine this with you during your initial consultation. Most people lose few if any assets in Bankruptcy. Because of Steve’s extensive collections experience he knows how debt collectors can work against you and how to stop them.

 

CHAPTER 13
Chapter 13 is a reorganization of a person’s finances whose debts are primarily personal. Through Chapter 13 a person’s debts may be structured to repay past due amounts on your home, vehicles or other secured assets. Through this chapter we are able to stop foreclosures, repossessions, debt collection and wage garnishments. Interest rates can also be adjusted on secured items such as vehicles. At times a second mortgage can be eliminated altogether.

COMMONLY ASKED QUESTIONS

Do I have to list all of my debts, assets and possessions when filing for bankruptcy?

Yes, though for most people, they usually get to keep all of their assets. This question can only be answered after a thorough discussion with the attorney.

What is the difference between “secured debt” and “unsecured debt”?

Secured debt means that if you don’t pay for it, the secured creditor has a right to foreclose or repossess the item(s).  An unsecured debt means that the creditor has no right to foreclose or repossess the item(s).  Talk to the attorney on this question.

Are student loans and tax debts dischargeable in bankruptcy?

These are usually not dischargeable, but this can only be determined by looking at your exact circumstances.

How long do I have to wait before I can file a Chapter 7 bankruptcy again after already filing once?

Usually eight years after the date of discharge, but talk to the attorney about this question.  The law is completely different for chapter 13 filings.