4655 Cass St, San Diego,
San Diego, California 92109
United States
Are you struggling with debt? Are you thinking of filing for Bankruptcy? Is a bankruptcy the right option for you? Whether your debts are too great to pay, or you cannot make payments, a bankruptcy may be the best solution. To help with this difficult decision, we’ve put together a free consultation so that we can determine if Bankruptcy is the right option for your situation.
4422 Farm to Market 1960 Rd W
Houston, Texas 77068
United States
I am a Houston bankruptcy lawyer and tax lawyer with over 20 years of experience in bankruptcy law and federal income tax law. I am also a Certified Public Accountant (CPA) and former Internal Revenue Service (IRS) Revenue Agent. With this type of experience on your side, you know you will have quality representation in your bankruptcy case or your IRS tax case.
534 S Kansas Ave Ste 305
Topeka, Kansas 66603
United States
Consumer bankruptcy attorneys serving all of Kansas. Focused on chapter 7 and chapter 13 bankruptcy cases.
10821 W 87th St
Overland Park, Kansas 66214
United States
Consumer Bankruptcy; Chapter 7; Chapter 13
Boynton Beach High School
Boynton Beach, Florida 33426
United States
The Law Offices of Chad Nolan Horowitz, P.A. is a personal injury law firm dedicated to fighting for those who lack a voice. With Mr. Horowitz at the helm, we can help you get that compensation you deserve. With years of experience handling such cases, we know exactly how to approach different situations to get the best outcomes. Some of our practice areas include road accidents, wrongful death, slip and fall, workers’ compensation, property damage, dog bites, and so much more. We are heavily i
1901 N Roselle Rd
Schaumburg, Illinois 60195
United States
Cutler & Associates, Ltd. is a Chicago land bankruptcy law firm that works in bankruptcy and debt relief services with clients throughout the region and the surrounding areas.
4602 E Thomas Rd
Phoenix, Arizona 85018
United States
Phoenix Fresh Start Bankruptcy Attorneys is a firm of Bankruptcy Attorneys Phoenix. Our experienced bankruptcy lawyer phoenix can save you when you are drowning in debt. For more details call our phoenix bankruptcy attorneys at 602-598-0202.
10285 N Fwy
Houston, Texas 76177
United States
(Houston’s Most Trusted Law Firm for Car Accident Settlements) #CarAccidentAttorney, #CarAccident Lawyer, Houston Auto Accident Attorney, Auto Accident Lawyer, Auto Accident Law Firm, Auto Accident Settlement, Car Accident Settlement, Trucking Accident Lawyers, Truck Accident Attorneys, Trucking Lawsuit Settlements, Personal Injury Lawyers, Personal Injury Attorneys, Personal Injury Lawsuit Settlements
4192 Brockton Ave
Riverside, California 92501
United States
Chapter 7 Bankruptcy, Chapter 13 Bankruptcy
250 Parkway Dr
Lincolnshire, Illinois 60069
United States
The lawyers at Orlowsky & Wilson, Ltd. Provide Glenview Estate Planning Services to individuals and families with modest as well as large estates.
241 Main Street
New Martinsville, West Virginia 26155
United States
For nearly 30 years, Thomas E. McIntire & Associates has been helping people who are faced with complex debt matters. We always try to create a calming environment for our clients. With a down-to-earth atmosphere, you can feel comfortable trusting us with your personal concerns and financial future. Whether you are facing bankruptcy or creditor harassment, Thomas E. McIntire & Associates is here to help you. For more details call New Martinsville bankruptcy attorneys at (304) 527-8818.
26676 Woodward Ave
Royal Oak, Michigan 48067
United States
Hammerschmidt, Stickradt & Associates is a Michigan Bankruptcy Attorneys. At HS&A, P.C. Law we are committed to creating lasting, positive outcomes for our clients, our employees, and our communities.
801 Old York Rd., Suite 313
Jenkintown, Pennsylvania 19046
United States
Alfred Abel Law Offices are dedicated to providing effective, practical legal advice to clients in Philadelphia, Montgomery County and surrounding areas in Pennsylvania.
600 W Germantown Pike, Suite 400
Plymouth Meeting, Pennsylvania 19462
United States
Alfred Abel Law Offices are dedicated to providing effective, practical legal advice to clients in Philadelphia, Montgomery County and surrounding areas in Pennsylvania.
309 Pirkle Ferry Road, Bldg F Cumming, GA 30040
cumming, Pirkle Ferry Road 30040
United States
Our law firm serves a diverse clientele in Cumming, Buford, Dawsonville, Forsyth County and surrounding areas with the benefits of more than 100 years of combined experience, a tradition of attentive personal service and a recognized reputation for positive results. Contact our office to arrange your initial consultation. We welcome the opportunity to assist you and your loved ones in any way we can. Contact us at (770) 887-1209 or visit https://www.banksstubbs.com/.
218 W Wilson Ave
Orange, California 92867
United States
Orange County BK Services is a professional attorney bankruptcy service in Orange CA and throughout Orange County California. We are available 7 days a week and specialize in Bankruptcy Orange – Bankruptcy Attorney Orange – Bankruptcy Lawyer Orange – and more. We are your local Chapter 7 Bankruptcy Orange – Personal Bankruptcy Orange – Chapter 13 Bankruptcy Orange – plus a ton of other related services. Please call us anytime at (657) 232-4027 for a free quote.
19 Broad St, Suite 307 Staten Island, NY 10304
New York, New York 10304
United States
Getting into debt and other financial trouble is far too easy to do. Whether it happened because of a divorce, job loss, unexpected medical expenses, credit cards, or anything else, it can feel like a trap from which there is no escape. The sad reality is that if you only make the minimum payments on your debt (if you can even afford that) it will take you years, if not decades, to finally get everything paid off, and that is assuming there are no more unexpected issues. For many people in NYC,
101 E Burnside Ave, Suite 316
The Bronx, New York 10453
United States
Of the different types of clients that appear in my office, some of the saddest stories are of clients seeking asylum in the United States. It is true that each personal story has its own tragedy. However, most of the people I know seeking asylum have had some horrible events like no other. Those cases should be taken very seriously as someone’s life is probably at stake. Returning someone who is seeking asylum to the country where they are afraid to return is something I cannot live with. This
903 Sheridan Ave, Suite 205 Bronx, NY 10451
New York, New York 10451
United States
Many people have an inaccurate view of what bankruptcy is for, and when they should use it. People are often taught that they should only consider bankruptcy if there is absolutely no other option, and only in extreme cases. This is exactly what the banks and credit card companies want you to think, for obvious reasons. The reality is, however, that bankruptcy laws were written to help give consumers the ability to escape credit card and other types of debt without ruining their lives. Big fi
28 Schenck Parkway, Suite 200 Asheville, North Carolina 28803
Asheville, North Carolina 28803
United States
Asheville Disability Attorney Gary Brown prides himself on being personally available to speak with clients to answer any and all questions they may have concerning their disability claim to give each and every case the personal attention it deserves. When the time comes to be represented at your Social Security Disability hearing, Attorney Brown will be prepared to advocate on your behalf for the maximum benefits available to you under the law. For more information contact us at http://disabil
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.
