39500 High Pointe Blvd Suite 470
Novi, Michigan 48375
United States
Babi Legal Group provides exceptional legal counsel and services in various areas of law, representing both professionals and non-professionals alike!
841 Prudential Dr 13th Floor PMB 53
Jacksonville, Florida 32207
United States
In addition to the lawyer directory, Lawyergist.com provides a platform where users can ask free legal questions and browse expert articles written by lawyers to gain a better understanding of their legal issues. The company also offers resources for lawyers to help them grow their practices, including sign-in options for legal professionals and a dedicated platform for legal advice and articles.
24031 S Tamiami Trl #101
Bonita Springs, Florida 34135
United States
When you need help with a legal problem or when you are overwhelmed by debt, talking with an experienced Bonita Springs bankruptcy lawyer can help you. Call the law offices of Ryan J. Really Attorney at Law, LLC.
11329 P St
Omaha, Nebraska 68137
United States
Omaha bankruptcy attorney Burke Smith assists Nebraska residents with debt through chapters 7 and 13. Call our lawyers today to stop harassing debt collectors.
1135 Makawao Ave
makawao, Hawaii 96768
United States
Hawaii Consumer Credit Attorney is an excellent resource to help with debt lawsuit defense, settling judgments, apartment collections and auto repos. Our attorneys specialize in helping individuals who are facing financial hardship due to debt and other financial issues. We understand that dealing with debt can be overwhelming and our goal is to provide the best legal advice and assistance to help you get back on track.
3419 Westminster Ave Ste 343
Dallas, Texas 75205-1387
United States
Washington Consumer Credit Attorney is an excellent resource to help with debt lawsuit specialize in helping individuals who are facing financial hardship due to debt and other financial issues. We understand that dealing with debt can be overwhelming and our goal is to provide the best legal advice and assistance to help you get back on track. Our attorneys are skilled in negotiating with creditors and debt collectors to settle judgments and reduce or eliminate debt.
8265 S Walker Ave
Oklahoma City, Oklahoma 73139
United States
Oklahoma consumers have a variety of rights when it comes to debt collection, debt lawsuit defense, and debt settlement. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) both provide consumers with legal protection from debt collectors and creditors. A consumer credit attorney can help individuals understand their rights and fight when violations are discovered.
1901 Manhattan Blvd Bldg. D PMB #9056
harvey, Louisiana 70058
United States
Louisiana consumers have rights when it comes to debt collection, debt defense, and debt settlement. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) both provide consumers with legal protection from debt collectors and creditors. A consumer credit attorney can help individuals understand their rights and protect them when violations happen.
21110 Riyadh 114 75 Kingdom of Saudi Arabia
Beebe, Arkansas 36925
United States
Hawi Portal is a remarkable initiative launched by Saudi Arabia’s Quality-of-Life program. This platform is a collaborative effort of 12 government entities working together to enhance the quality of life for citizens by encouraging engagement in hobbies and interests. Through Hawi, For more details, visit Hawi Portal. users can explore various activities, join interest-based groups, showcase their talents, and participate in community events. The portal aims to foster creativity, skill develop
5317W W Grande Market Dr
Appleton, Wisconsin 54913
United States
At Bankruptcy Law Office of Richard A. Check, S.C., our Appleton bankruptcy lawyers take the time to learn about your specific situation and can tell you how the law may help you in a free bankruptcy consultation.
7665 Monarch Ct #106
West Chester Township, Ohio 45069
United States
West Chester bankruptcy attorney David Andrade handles Chapter 13 and Chapter 7 bankruptcy cases. Call our office today for a free consultation.
2679 Whitney Avenue
Hamden, Connecticut 06518
United States
At The Law Offices of Neil Crane, we always say that the bravest people are the ones that walk through our front door. After suffering from overwhelming debt, they have made that first step towards getting their financial life back under control. It is hard to admit that you cant do it on your own, but once you work with the Law Offices of Neil Crane you are relieved to find that you have options when facing bankruptcy or foreclosure with a full team of veterans to support you.
11 Pearl Street, 2nd Floor
New Haven, Connecticut 06511
United States
At The Law Offices of Neil Crane, we always say that the bravest people are the ones that walk through our front door. After suffering from overwhelming debt, they have made that first step towards getting their financial life back under control. It is hard to admit that you cant do it on your own, but once you work with the Law Offices of Neil Crane you are relieved to find that you have options when facing bankruptcy or foreclosure with a full team of veterans to support you.
440 Main Street
Ridgefield, Connecticut 06877
United States
At The Law Offices of Neil Crane, we always say that the bravest people are the ones that walk through our front door. After suffering from overwhelming debt, they have made that first step towards getting their financial life back under control. It is hard to admit that you cant do it on your own, but once you work with the Law Offices of Neil Crane you are relieved to find that you have options when facing bankruptcy or foreclosure with a full team of veterans to support you.
58 Holmes Avenue
Waterbury, Connecticut 06710
United States
At The Law Offices of Neil Crane, we always say that the bravest people are the ones that walk through our front door. After suffering from overwhelming debt, they have made that first step towards getting their financial life back under control. It is hard to admit that you cant do it on your own, but once you work with the Law Offices of Neil Crane you are relieved to find that you have options when facing bankruptcy or foreclosure with a full team of veterans to support you.
10 Middle Street
Bridgeport, Connecticut 06604
United States
At The Law Offices of Neil Crane, we always say that the bravest people are the ones that walk through our front door. After suffering from overwhelming debt, they have made that first step towards getting their financial life back under control. It is hard to admit that you cant do it on your own, but once you work with the Law Offices of Neil Crane you are relieved to find that you have options when facing bankruptcy or foreclosure with a full team of veterans to support you.
750 Old Main St
Rocky Hill, Connecticut 06067
United States
At The Law Offices of Neil Crane, we always say that the bravest people are the ones that walk through our front door. After suffering from overwhelming debt, they have made that first step towards getting their financial life back under control. It is hard to admit that you cant do it on your own, but once you work with the Law Offices of Neil Crane you are relieved to find that you have options when facing bankruptcy or foreclosure with a full team of veterans to support you.
100 Pearl St 14th floor
Hartford, Connecticut 06103
United States
At The Law Offices of Neil Crane, we always say that the bravest people are the ones that walk through our front door. After suffering from overwhelming debt, they have made that first step towards getting their financial life back under control. It is hard to admit that you cant do it on your own, but once you work with the Law Offices of Neil Crane you are relieved to find that you have options when facing bankruptcy or foreclosure with a full team of veterans to support you.
429 N Pennsylvania St
Indianapolis, Indiana 46204
United States
We are one of the Premier Bankruptcy law firms in Indianapolis. We have helped thousands of people to improve their financial situation, and move on with their lives. For more information contact our office today.
111 Market St #300
San Jose, California 95113
United States
Our experienced San Jose attorneys at LaVella Law Offices are serving clients in their Bankruptcy and Estate Planning legal needs. Call us for a free consultation with our experienced Oakland, CA Attorneys. Mr. LaVelle proudly manages LaVelle Law Offices with the personal attention of a boutique law firm but with the resources of larger law firms. Our San Jose attorney services include bankruptcy, estate planning, wealth management, and record clearance. Call our office today.
Debt can be a very destabilizing situation. Owing money without the proper resources or methods to pay it back can have a significant effect on a person's future financial abilities. The bankruptcy laws in the US were designed to offer the debtor a way out of crippling debt. However, the bankruptcy process can be confusing. In order to utilize the system properly, the process has to be followed meticulously with care.
Most debtors will need help filing a bankruptcy petition, and that's where a bankruptcy attorney comes in. A bankruptcy attorney will assist in filing the case and ensure that all legal matters related to the case are handled appropriately. The first major thing that a bankruptcy attorney will do is advise a debtor as to whether they should file bankruptcy in the first place. Once it is determined that the debtor does indeed need to file for bankruptcy, the attorney will file a petition on behalf of the debtor. From there the attorney will gather information about the debtor's financial history including assets, debts, income, tax information and other financial information. Once this process is begun, the court will appoint a person to oversee the administration of the case (the “Trustee”). Once the petition is properly filed, an automatic stay on most creditor’s collection efforts is put into effect.
There are several types of bankruptcy filings that are most commonly used and discussed amongst people within the legal industry. Some of those types of bankruptcy are for businesses that have heavy debts that they cannot pay. The others are bankruptcy filings for the individual who unfortunately has a lack of ability to pay back their debts.
Amongst the most common types of bankruptcy for individuals are Chapter 7 and Chapter 13 bankruptcy filings. Chapter 7 filings can usually be distinguished by situations that are mostly concerned with whether the debtor has significant assets that can be liquidated or sold off to satisfy the debt owed. Chapter 7 bankruptcy involves the selling off of assets by a bankruptcy trustee in order to pay outstanding debts. This process doesn’t necessarily mean a debtor will lose everything they own, there are exemptions and other mechanisms to keep certain assets. The process ends with all the debtor’s debts (except for things such as student loans and child support) being discharged.
Chapter 13 bankruptcy filings involve a situation where a debtor can keep some of their valuable assets instead of liquidation, and form a repayment plan to pay back a reduced form of their debt. It can be a good option for those who have the means to pay of a portion of their debt. It can also be the only bankruptcy that a debtor can file if the debtor can’t pass the means test. The means test is a calculation that considers a debtor’s disposable income after subtracting legally provided for expenses. Put shortly, if you have the “means” to pay a certain amount of debt after the acceptable expenses are subtracted, you cannot file for chapter 7.
Chapter 11 can be a vital tool for businesses as it would allow a business to reorganize itself in order to stay in business. Chapter 11 allows the debtor organization to restructure its debt and modify its payment obligations with the approval of the bankruptcy court.
The above discussion is just the tip of a very large iceberg that does nothing but get more complicated. While at first glance it may not seem that complicated, filing for bankruptcy can be very difficult and will most likely require the assistance of an attorney to complete properly.
Individual debtors are allowed to file bankruptcy without an attorney, but it may not be the ideal route to take. Filings need to include all the correct information and need to be filed in specific ways. The bankruptcy court is a separate distinct court system and has many filing rules. Filing the wrong case or the wrong paperwork will lead to a dismissal. If a debtor were to file the paperwork incorrectly, the debtor may then have to face creditors who, depending on the type of bankruptcy filed, may attempt to prevent you from filing.
There are also some pitfalls to filing bankruptcy. Filing a bankruptcy will have an adverse effect of your credit score. A bankruptcy can stay on your credit for up to 10 years and can affect your ability to get good interest rates on loans and credit cards after the bankruptcy. A debtor in a bankruptcy may have to wait years (depending on the mortgage lender) after bankruptcy to qualify for a mortgage. All of these issues need to be discussed with an attorney before a debtor files for bankruptcy.
Choosing the right bankruptcy attorney can be difficult. There is no shortage of commercials or advertisements that will tell you that you can “easily” find a bankruptcy attorney. It is true that many lawyers focus their practice on debt relief and bankruptcy. However, not all bankruptcy attorneys are equal. You are going to need a skilled attorney that knows the law and knows what is required of a person who files for bankruptcy. You will also need to speak with an attorney that is able to clearly explain whether you need to file bankruptcy at all. Some of the best bankruptcy advice lies in knowing when not to file and utilize some other form of debt relief to rectify the situation.
This step is mostly about first understanding your situation and then understanding how you want it to change. If you are in a position where you are being overwhelmed by debt you will need to get a grasp on what you want going further. If you don’t own much and just need help by gaining a somewhat clean slate, then your situation will vary differently from a person who has many assets and owes many types of creditors.
Most firms that hand bankruptcy in any way are likely to be able to help with any of the various types of bankruptcy, although if you are filing bankruptcy in relation to a business you may want to seek out a firm that specializes in Chapter 11 bankruptcy.
Also consider that if you file bankruptcy, other pending legal matters that you have, and your future financial situation such as your credit score, will be affected. Keeping this in mind, you may want to consider seeking firms that also have vast experience in handling other debt related issues.
The more research you do, the better. Start with a general search of bankruptcy attorneys in your geographical area. Look at their specialties or other types of law that they practice. Pay attention to what services they provide. Many of them provide services related to bankruptcy, like alternative debt relief measures, help with garnishments, and repossession. These additional services may be of help early on because unfortunately, your bankruptcy may lead to more financial issues before all is said and done. Try not to panic or feel worse about the process, just be aware that future financial problems are a possibility.
Once you get some names of attorneys in the area, you can then conduct more of a specific search to see all the information that is available on the attorney. Most attorney websites will feature some sort of background information like when the attorney passed the bar, how long the attorney has practiced bankruptcy law, and where the attorney went to law school.
Once you have narrowed down your search to attorney’s names, take the time to search out client reviews for that attorney. There are a few sites like AVVO that will allow a former or current client to place a review about an attorney's services. Martindale-Hubblle provides profiles that allow other attorneys in the area to rate the work of a specific attorney. So not only can you hear from clients but you can also see what an attorney’s peers think.
Next, you will want to do a sort of background check on the attorney. Its actually very easy to do. You only need the name of the attorney. Go to your state’s bar association website. The bar association is responsible for licensing of all attorneys within the state in addition to disciplining attorneys ethical misconduct. From there, you will be able to search for the profile of the attorneys you have narrowed your search down to. If there have been any ethical issues such as fraud or malpractice, it will be in this section.
While most attorney’s files will offer no issues, it still does not hurt to check. If an attorney had many major ethical complaints against them, it would be unlikely that they were currently eligible to practice law. You will want to know that you have an ethical and honest attorney on your side, searching their bar history will only ease any concerns you may have.
The last step in the process is actually making a decision on an attorney and scheduling an appointment. Don’t feel rushed or that there is something wrong with talking to multiple attorneys. In a way, its kind of like getting a second opinion from a doctor or a mechanic, it may be good to good to hear different opinions on your situation. It also may be comforting to hear the same thing from multiple attorneys; it lets you know that you have probably picked wisely.
