Bankruptcy – your tool to financial freedom.
We understand that the word ‘bankruptcy’ often carries a negative connotation. However, we’re here to change that perception. Bankruptcy is not an end; it’s a new beginning. It’s not a failure; it’s an opportunity to start afresh. It’s not a sign of defeat; it’s a tool for liberation.
Chapter 7 – Personal Bankruptcy
Chapter 7 Bankruptcy, often referred to as “liquidation,” allows you to discharge most of your unsecured debts. This process involves selling off your non-exempt assets to repay creditors.
Chapter 13 – Personal Bankruptcy
Chapter 13 Bankruptcy, also known as “reorganization,” involves creating a repayment plan for your debts over three to five years. This option allows you to keep your assets while making manageable payments towards your debt.
Benefits of bankruptcy
✓ Financial fresh start
✓ Stop harassment from creditors
✓ Potentially settle for less than you owe
Bankruptcy ADVISORS
Stop harassment from predatory creditors
Under the Fair Debt Collection Practices Act (FDCPA), you have rights that protect you from abusive, deceptive, and unfair debt collection practices. This includes protection from harassment by creditors and debt collectors. Unfortunately, many people are unaware of these rights or feel powerless to enforce them.
That’s where we come in.
Save your assets
Asset redemption
You can save some of your secured assets by paying an amount equal to the value of the asset. This allows you to lower your overall debt, save on loan interest, and keep your property.
Frequently Asked Questions
When is it time to file for personal bankruptcy?
If you have unmanageable debt, are being threatened with foreclosure or repossession, are facing wage garnishment, are receiving persistent collection calls, and/or losing sleep over your debt problems, you should reach out to us about filing for personal bankruptcy.
Is it free to file for bankruptcy?
Filing for bankruptcy is not free. In addition to paying off some of the outstanding debts, there are filing and attorney fees. Payment plans are available.
What happens to my credit score after filing for bankruptcy?
Your credit score will most likely suffer and it can take 3-7 years to get it totally repaired, but missing payments to your creditors also hurts your credit and that damage lasts a lifetime if you don’t catch up.
What are the billing procedures?
We need a deposit up front, but we provide payment plans if needed. You are also free to pay in full up front.
Do I have to come to the office for the free consultation?
No. The consultation will be done completely online or over the phone.