116 State Hwy 99 N #101
Eugene, Oregon 97402
United States
Butcher Law Office, LLC, is a full-service bankruptcy practice serving Eugene, Springfield, and the surrounding areas. As a bankruptcy lawyer, I focus on both Chapter 7 and Chapter 13 bankruptcy for consumers. I assist clients in the entire bankruptcy process, from pre-bankruptcy planning to completing and filing bankruptcy petitions and attending all necessary hearings.
129 Prospect St
Passaic, New Jersey 07055
United States
Torres Legal was founded in 2005 and it is a bilingual law practice based in Passaic, NJ. Law firm’s focus is to give people and companies experienced straightforward legal representation. Torres Legal services include Bankruptcy, Real Estate, and a wide range of other General Practice legal assistance like Landlord Tenant, Family Law, and Criminal Defense.
Lakewood
Lakewood, Colorado 80226
United States
Our practice is limited to disability cases, and we understand that our disabled clients are in a very difficult situation. When they come to us, our clients have lost their health, their income and their health insurance. Some are even on the verge of losing their homes. The Social Security disability system can be frustrating and confusing to disabled claimants. We want to help you and get you the disability benefits that you deserve. Contact our Denver disability lawyers to get started today.
950 Pacific Ave Suite 1050
Tacoma, Washington 98402
United States
James A. Jones, Attorney at Law, has been serving clients with elder law, estate planning and bankruptcy issues for more than 15 years. At our firm, our attorney focuses on looking at your entire financial picture and assisting you in creating the future you want, both for yourself and your family. More than a decade of legal experience, James A. Jones, Attorney at Law, in Tacoma, Washington, is here to help you with the serious and complex legal issues. For more information contact us at 253-94
7550 W Yale Ave
Denver, Colorado 80227
United States
There are times when you just can’t capture a break. You have significant financial obligation and your income isn’t going to have the ability to cover your incoming bills. You understand it’s only a matter of time prior to the repossessions and a foreclosure comes. To make matters worse, credit collectors are calling your office or home every day. If you remain in a situation like this, Chapter 7 or Chapter 13 personal bankruptcy might be your finest option. www.ryanpetersonlaw.com
5151 E Broadway Blvd
Tucson, Arizona 85711
United States
Yusufov Law Firm PLLC is a Mesa and Tucson Bankruptcy and Debt Resolution Lawyer. We focus on providing the highest quality legal services to clients who value experience and attention to detail over marketing gimmicks.
5610 Crawfordsville Rd
Speedway, Indiana 46224
United States
Walton Legal Services are your trusted bankruptcy lawyers in Indianapolis, IN for the last 26 years. Our professional and competent debt-relief attorneys have helped over 30,000 clients get on top of their debt by filing for bankruptcy. If you are under serious debt and find yourself lagging behind on payments, get in touch with Walton Legal Services for a free initial consultation, during which our experienced debt-attorneys will suggest the best course of action. Call our office today.
5610 Crawfordsville Rd
Speedway, Indiana 46224
United States
Walton Legal Services are your trusted bankruptcy lawyers in Indianapolis, IN for the last 26 years. Our professional and competent debt-relief attorneys have helped over 30,000 clients get on top of their debt by filing for bankruptcy. If you are under serious debt and find yourself lagging behind on payments, get in touch with Walton Legal Services for a free initial consultation, during which our experienced debt-attorneys will suggest the best course of action. Call our office today.
725 3rd Street
Columbus, California 47201
United States
Helping good people through hard times – If you are looking for an Columbus bankruptcy law firm that has the experience to help you, contact our office today. Walton Legal Services was founded in 1979 to help Indiana clients who were suffering with serious debt. In that time, Walton Legal Services helped more than 30,000 people through the process of bankruptcy. We offer free initial consultations, call our office today.
2795 Appling Road, Suite 112
Memphis, Tennessee 38133
United States
Prior to coming to the realization that their debts are overwhelmingly out of control, the majority of Memphis bankruptcy filers usually have stopped making payments over a fair amount of time already. If you’re still in the early stages of nonpayment such that you have just started to get the menacing letters and threatening phone calls, you should be aware of what is likely to follow, depending on the type of creditor you’re dealing with. Call our Memphis bankruptcy attorney today to handle yo
511 South Woodscrest Drive
Bloomington, Indiana 47401
United States
For a free consultation, call The Bankruptcy Law Office of Mark S. Zuckerberg, P.C. today to speak with an experienced Bloomington, IN bankruptcy attorney. We want to help you get the relief you need and deserve. We understand that you are having financial difficulties, so contact us now. We will review your case and offer a flexible payment plan which is customized to your unique situation. We know that when you have too many bills to pay, the last thing you need is another payment. That’s why
1000 Addison St
Berkeley, California 94710
United States
For a free consultation, call The Bankruptcy Law Office of Mark S. Zuckerberg, P.C. today to speak with an experienced Anderson bankruptcy attorney. We want to help you get the relief you need and deserve. We understand that you are having financial difficulties, so contact us now. We will review your case and offer a flexible payment plan which is customized to your unique situation.Call the Bankruptcy Law Offices of Mark S. Zuckerberg, P.C. Call 765-649-7777 today for a FREE Debt Consultation.
441 N Pennsylvania St
Indianapolis, Indiana 46204
United States
For a free consultation, call The Bankruptcy Law Office of Mark S. Zuckerberg, P.C. today to speak with an experienced Indianapolis bankruptcy attorney. We want to help you get the relief you need and deserve. We understand that you are having financial difficulties, so contact us now. We will review your case and offer a flexible payment plan which is customized to your unique situation. We offer a Free Debt Consultation. Call our office today at 317-687-0000.
303 E Poplar St
Olathe, Kansas 66061
United States
Serving Kansas City since 1991, Adams Cross LLC (formerly The Law Office of David S. Adams) is dedicated to providing affordable and effective services for residents of the Kansas City metro area. Licensed in both Kansas and Missouri and based in Olathe, David has the experience to handle your personal injury, bankruptcy, or car accident case in Overland Park, Lenexa, Olathe, Shawnee, KS and the entire KC metro.
115 1st St N
Alabaster, Alabama 35007
United States
The Harris Firm is a law firm that helps individuals throughout Alabaster, AL in the areas of bankruptcy, family law, divorce, probate, and injury. Many of these cases are worked on a retainer basis or contingency fee.
759 SE Federal Hwy
Stuart, Florida 34994
United States
Crary Buchanan Founded in 1927. Crary Buchanan is one of the oldest law firms on Florida’s Treasure Coast. The firm’s offices are located in Stuart and Port St. Lucie Serving a broad range of individual and business clients.
3800 American Blvd W
Bloomington, Minnesota 55431
United States
Here at Gregory J. Wald, Attorney at Law, we concentrate solely on bankruptcy cases. Filing for bankruptcy is an overwhelming predicament. Our lawyers tend to every case with professionalism and efficiency to allow our clients peace of mind. With over 30 years of experience, our firm offers unparalleled legal counsel in bankruptcy matters. If you’re considering filing for bankruptcy, come into our Bloomington location for a free case evaluation.
839 N Jefferson St
Milwaukee, Wisconsin 53202
United States
At Kerkman & Dunn, our team of attorneys offers a depth of experience you would only otherwise find at a large firm.
3355 Lenox Rd #750
Athens, Georgia 30326
United States
I am Gary Nitzkin, a Credit Repair Attorney with Credit Repair Lawyers of America. My staff and I are here to fix your credit, stop debt collectors from harassing you and clean your credit report when you have been victimized by identity theft. We have been fixing errors and mistakes on credit since 2008 and have never had our clients pay us out of their pocket for our fees. We make the credit reporting agencies and lenders pay our fees and costs so you don’t have to. Call me today.
355 S Main St
Rocky Mount, Virginia 24151
United States
Tonya Janney cares about each and every one of her clients. She is an effective spokesperson for those who need her to speak for them. Gently, when the situation calls for peaceable resolution. Assertively, when zealous and aggressive advocacy is necessary. Tonya Janney is determined to give her client the best possible outcome. You expect your matter to be handled with care, for fair and reasonable fees. She is here to ensure your expectations are met and exceeded.
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.
