120 Washington St. Ste 303C
Watertown, New York 13601
United States
Many clients approach bankruptcy with apprehension or even fear. At Grady BK, we strive to reassure and empower our clients to take control of their financial futures. We believe in making this process as smooth and straightforward as possible for you, enabling you to move forward with confidence.
1 N Main St ste 305
Cortland, New York 13045
United States
Many clients approach bankruptcy with apprehension or even fear. At Grady BK, we strive to reassure and empower our clients to take control of their financial futures. Website: https://gradybk.com/ Services: Bankruptcy (chapter 7 and chapter 13) Business hours: Mon – Fri: 9:00 am – 5:00 pm Sat – Sun: Closed Payment Methods: Visa, Mastercard, Discover, cash, check, money order
225 Greenfield Parkway, Suite 107
Liverpool, New York 13088
United States
Many clients approach bankruptcy with apprehension or even fear. At Grady BK, we strive to reassure and empower our clients to take control of their financial futures. Website: https://gradybk.com/ Services: Bankruptcy (chapter 7 and chapter 13) Business hours: Mon – Fri: 9:00 am – 5:00 pm Sat – Sun: Closed Payment Methods: Visa, Mastercard, Discover, cash, check, money order
2 State St. Ste. 103
Auburn, New York 13021
United States
Many clients approach bankruptcy with apprehension or even fear. At Grady BK, we strive to reassure and empower our clients to take control of their financial futures. Website: https://gradybk.com/ Services: Bankruptcy (chapter 7 and chapter 13) Business hours: Mon – Fri: 9:00 am – 5:00 pm Sat – Sun: Closed Payment Methods: Visa, Mastercard, Discover, cash, check, money order
410 W Cherry St Suite 7
Troy, Missouri 63379
United States
Westbrook Law Group is based in Troy, St. Louis Bankruptcy Attorneys. Attorney Brent Westbrook has years of experience as a trusted financial lawyer and has helped thousands of people get back on their feet through means of filing for bankruptcy. With offices in St. Charles and Troy, when you choose Westbrook Law Group for help with debt, you can rest assured that you’ll always have a Missouri bankruptcy attorney near you. To get the services, call us at: 636-245-0494, or visit: https://westbroo
385 Garrisonville Rd suite 203
Stafford, Virginia 22554
United States
Lawyer in Stafford, VA
5025 E Kellogg Dr N Suite 100
Wichita, Kansas 67218
United States
Federal criminal defense and white-collar crime defense firm with offices across the United States. Type of Law
102 Oak St
Mendenhall, Mississippi 39114
United States
Rollins Law Firm is a bankruptcy law firm in Mendenhall, MS, serves clients throughout the state. We help clients move forward in the face of adversity by helping them take appropriate action in their legal matters. Our bankruptcy lawyers understands that in life, circumstances arise that we cannot avoid – struggling with mounting debt. We understand the stress that financial troubles create for our clients and our main goal is to eliminate that stress. If you need help getting out of debt…
1445 Willamette St #9
Eugene, Oregon 97401
United States
Website: https://www.kimcovington-bankruptcylawyer.com Law Office of Attorney Kim Covington is located in Eugene, OR and is dedicated to providing quality services of Chapter 7 lawyer Eugene OR, Chapter 13 Law Attorney Eugene OR, Chapter 13 Lawyer Eugene OR, Bankruptcy Attorney Eugene OR, Bankruptcy Lawyer Eugene OR. Call us today at (541) 344-7472. We can help! We look forward to hearing from you.
1213 Purchase Street
New Bedford, Massachusetts 02740
United States
Logan A. Weinkauf P.C. serves individuals, small businesses and secured creditors in all types of debtor related matters, including bankruptcy, litigation, and workouts. Representing clients at U.S. Bankruptcy Courts in Boston, Worcester, Springfield, and most county courts in MA. Specializing in: Chapter 7 and Chapter 13 bankruptcies, asset protection, debt relief and more.
6855 W Clearwater Ave
Kennewick, Washington 99336
United States
The Patrick McBurney Attorney at Law office is a general practice law firm having 25+ years of experience in handling bankruptcy & insolvency, divorce & family law, Criminal Law, and estate planning cases. He has defended thousands of clients in bankruptcy cases. Each of our clients receives individual legal assistance from us. We are experienced at utilizing the law to your benefit to provide reasonable answers to your problems, both personal and professional.
6900 South 900 East Suite 250
Salt Lake City, Utah 84047
United States
We are Salt Lake City Based Law firm that Handles Business Law, Family Law, Estate Planning and Bankruptcy. Call Today for a Free Attorney Consultation.
3626 Fair Oaks Boulevard
Sacramento, California 95864
United States
We are a full-service law firm helping Sacramento residents with issues pertaining to family law, divorce, custody, estate planning, probate, bankruptcy, assisted living planning, and more. We provide clear communication so that you fully understand how the law relates to your situation. Equal Justice Law Group has served over 7,000 clients in Sacramento and the surrounding areas in our 21 years of practice.
1440 Maple Ave STE 6B
Lisle, Illinois 60532
United States
Advocates Law Group is a firm’s real estate practice provides clients with comprehensive legal services for all aspects of real estate transactions, including purchase and sale transactions, leasing, and disputes. The firm’s real estate attorneys have a deep understanding of the industry and are equipped to handle even the most complex real estate matters.
1234 High St
Auburn, California 95603
United States
BottomLine Lawyers PC has 30+ years of experience handling bankruptcy, tax resolution, and estate planning cases. We provide legal assistance to individuals and businesses and focus on our clients’ welfare and concerns rather than a particular legal topic. We know how to use the law to your advantage to afford decent solutions to your financial problems, both personal and business-related. Make an appointment immediately if you believe our skilled and experienced lawyers in Auburn, California c
2390 San Diego Ave
San Diego, California 92110
United States
Experience with every business size. Bravo Law has represented businesses of all sizes, from start-ups to publicly traded companies. Having a grasp of what different businesses need to succeed helps us better serve our clients. WEBSITE: https://www.bravolawapc.com/
111 North Orange Avenue, Suite 800
Orlando, Florida 32801
United States
Welcome to Florida Law Advisers, P.A. We are a full-service law firm with a concentration in Orlando Bankruptcy Law Matters. Our dedicated team of experienced and aggressive attorneys assists our clients in the Orlando, Florida, area in providing quality counsel to resolve their legal problems. Filing chapter 7 or chapter 13 bankruptcy can be easy with the proper legal counsel. With 425+ 5-star reviews, you can trust us to handle your bankruptcy case with the utmost care and consideration.
957 NASA Pkwy., #1079
houston, texas 77058
United States
The Law Office of Michelle E. Murphy provides compassionate assistance to families dealing with Elder Care, Medicaid Planning, Probate, Estate Planning and Bankruptcy. Virtual consultations are available. She strives to provide compassionate personal service to her families while delivering exceptional legal services. She recognizes the duties imposed by the phrase “attorney and counselor at law” and always goes the extra mile to ensure her clients fully understand all of their options.
United States
Grand Junction, CO 81502
United States
It is important to get legal assistance as soon as you can if you or someone close to you has been hurt in an accident. An attorney Raul Guajardo, a McAllen personal injury lawyer, can help you understand your rights and file a suit against the company or person responsible. Call 956-686-1977 for a free consultation. https://www.rguajardofirm.com/
232 Capitol St
Charleston, west virginia 25301
United States
Hinkle Regulation, PLLC has numerous long periods of involvement with taking care of everything insolvency and family regulation. They have an immense range of abilities that permits them to help you in numerous areas through numerous long stretches of assisting clients with simply enjoying you.
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.
