10727 Paramount Blvd Suite 4
Downey, California 90241
United States
At the Downey, California, bakruptcy law firm, Resolve Law Firm, we prioritize understanding your unique situation and delivering quality legal service. Our commitment to thorough case evaluation sets us apart, ensuring you fully comprehend the risks involved. Website: https://resolvelawfirm.com/
519 S Water Ave
Gallatin, Tennessee 37066
United States
Our law firm focuses strictly on bankruptcy. Attorney Christopher Kerney only practices in bankruptcy law. What does this mean to you? It means that we are a very good, cost-effective option for your bankruptcy.
600 West Broadway
San Diego, California 92101
United States
California 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.
4500 S Lakeshore Dr #343
Tempe, Arizona 85282
United States
Our Tempe bankruptcy attorneys know. After having helped hundreds of people in Tempe, Mesa and throughout Arizona file for bankruptcy protection, our bankruptcy lawyers have the experience to find the best solution to your unique financial difficulties, including possibly filing for bankruptcy under Chapter 7 or Chapter 13 of the United States Bankruptcy Code.
3707 E Southern Ave Suite 1018
Mesa, Arizona 85206
United States
Chapter bankruptcy is a bankruptcy law firm in Mesa, Arizona. Our Mesa bankruptcy lawyers have provided expert legal representation for hundreds of individuals, couples, and businesses throughout Mesa. Our Mesa bankruptcy attorneys help clients file Chapter 7 bankruptcy, Chapter 13 bankruptcy, and other bankruptcy matters in Mesa and throughout Arizona.
3288 Main St
Stratford, Connecticut 06614
United States
Tim helps consumers and small business owners rebuild their lives after job loss, uninsured medical expenses, foreclosure, business problems, and insurmountable credit card debt.
370 Towne Center Blvd
Ridgeland, Mississippi 39157
United States
At Veterans Benefits Law Group, PLLC, we salute men and women like you who have dedicated their lives to protecting and serving our country. In return for this sacrifice, our country has a duty to provide and care for you when you need it the most. However, if you have a service-related disabling condition, getting the veteran’s disability benefits you’re entitled to can be challenging and frustrating for many applicants. https://vabenefitslawgroup.com/
1717 Alliant Ave STE 17, Louisville, KY 40299, United States
Berkeley, California 40299
United States
Louisville Bankruptcy Lawyers & Chapter 7 & 13 Attorneys ─ Too much debt? Let us help! ⇝ Call 24X7 for a FREE consultation! O’Bryan Law Offices in Louisville specializes in bankruptcy law, offering comprehensive legal assistance to individuals and families seeking financial relief. We focus mainly on bankruptcy issues, including those related to Chapter 7 and Chapter 13. We also assist with stopping credit harassment, protecting significant assets and more. Call 24X7 for a FREE consultati
30 Wall Street – 8th Floor
New York, New York 10005
United States
For over 15 years, the D. Giacomo Vilella Law Firm has been a trusted ally for businesses facing the daunting challenges of Merchant Cash Advance (MCA) lawsuits and debt settlements in New York, Utah, and Connecticut. With a proven track record of handling hundreds of MCA cases, the firm offers unparalleled expertise in protecting your rights and keeping your business afloat.
140 N Main St
Goodlettsville, Tennessee 37072
United States
Herbert & Lux Attorneys at Law is a full-service law firm, providing personal and effective representation for clients throughout Nashville, Tennessee. Our firm is home to some of the best attorneys in the area. With years of legal experience, there is no case too big or too small for us to handle. We’re proud of the reputation we’ve developed, and we’re honored to be a premier criminal defense and civil litigation practice in Nashville. Home
215 S 2nd St
Clarksville, Tennessee 37040
United States
Over 38 Years of Legal Experience. Representing Clarksville Families & Citizens for Over 25 Years. When you are facing difficult times, you need legal representation you can trust. At the Dennis Stanford Law Office, we will help you find real solutions to your problems, from fighting to get your criminal case reduced or dismissed to helping you resolve a contentious family law matter. Home
3501 W Elder St Ste 208
Boise, Idaho 83705
United States
Nothing is worse than getting hurt or losing a loved one in a severe accident. Many people experience significant physical, emotional, and financial burdens in these cases. That’s why you need an Idaho injury lawyer at Litster Frost who has the resources to handle any personal injury or negligence case. https://litsterfrost.com/
3110 N Parham Rd
Henrico, Virginia 23294
United States
The Meditative is an online store dedicated to providing high-quality mindfulness apparel and accessories for individuals seeking to incorporate tranquility and balance into their daily lives. Specializing in meditation-inspired clothing, The Meditative offers a diverse range of products designed to support and enhance your mindfulness practice. Their collection features chakra-inspired designs, empowering meditation phrases, and nature motifs. https://www.themeditative.store/
2300 Main St Ste 900
Kansas City, Missouri 64108
United States
KC Defense Counsel Criminal Defense Firm is dedicated to criminal defense. Our lawyers utilize their experience to help defend you against criminal charges in courts all over Kansas City Metro area. KC Defense Counsel is made up of five experienced criminal defense attorneys who will fight for you. https://kcdefensecounsel.com/
New Orleans
Clive, Iowa 110048
United States
Dr. Ashish Bansal | Best Psychiatrist In Delhi | Anxiety | OCD | De-addiction Treatment in Delhi Call Us – 09996469994 Address – House of Aesthetics, B-23, Ground Floor, N, Block Market 1, Block B, Greater Kailash I, Greater Kailash, New Delhi, Delhi 110048
23043 Lyons Ave
San Antonio, California 91321
United States
It takes only a small amount of chronic pain, tension, or discomfort to start to have a tangible effect on a person’s life. They might start choosing to skip their morning jog, not find as much joy in their hobbies, or have trouble keeping up with their kids. That is when it is time to call Unruh Spine Centers. Home
3603 W Court St
Pasco, Washington 99301
United States
We Know That Dealing An Injury Disrupts Your Entire Life Home
900 Stewart Ave
Uniondale, New York 11530
United States
Don’t let financial stress stand in the way of your pursuit of justice. Contact Fort Morgan Financial today and take the first step toward securing the funds you need. Our team is ready to assist you with any questions and guide you through the process. https://cashnowlawsuit.com/
10054 Alondra Blvd Ste 102
Bellflower, California 90706
United States
Cada año, innumerables personas enfrentan desafíos migratorios, creyendo erróneamente que un reinicio completo es necesario. Muchos abogados pueden recomendar procesos extensos, pero nuestros abogados de inmigración en Bellflower, CA le ahorran una fortuna al manejar de manera experta los procedimientos legales necesarios para asegurar su estatus en los Estados Unidos. Inicio
15456 Ventura Blvd #410
Los Angeles, California 91403
United States
More than a decade of winning experience! Armen Yedalyan, Esq., has been practicing law in California since 2012. Mr. Yedalyan is a Certified Specialist with the State Bar of California in Workers’ Compensation law. In addition, he is licensed to practice law in United States District Courts – Central District of California, Northern District of California, and Eastern District of California. https://www.yedalyanlaw.com/
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.
