125 NJ-73
Berlin Township, New Jersey 08091
United States
At Brenner Spiller & Archer, LLP, our bankruptcy and personal injury attorneys understand that when our clients come to us, they are often having serious physical issues or financial problems. For that reason, we take immediate action to ease the burden on their shoulders. || Website: https://www.spillerarcherlaw.com
Los Angeles
Los Angeles, California 90020
United States
California Workers Compensation Lawyers boasts a team of skilled and dedicated work comp attorneys with a combined experience of more than twenty years and more than a million dollars in recovered benefits URL https://lacaccidentpros.org Phone (323) 522-1152 Address 3435 Wilshire Blvd, Suite 660 Los Angeles, CA 90010
1902 8th St
Tuscaloosa, Alabama 35401
United States
Got Debt? Call Today For Help! A compassionate and caring bankruptcy law and consumer protection practice. Dealing with debt can seem overwhelming at times. You may be suffering from the stress of frequent phone calls from NASTY debt collectors. If you have gotten behind on your house OR car payment and are threatened with repossession or foreclosure. || Website: https://www.ericwilsonlaw.com
1500 Walnut Street, Suite 900, Philadelphia, PA 19102
Philadelphia, Pennsylvania 19102
United States
Trusted Philadelphia Bankruptcy Lawyers Cibik Law, P.C. 1500 Walnut Street, Suite 900, Philadelphia, PA 19102 (215) 735-1060
2885 Coronado Ave, San Diego, CA 92154, United States
San Diego, California 92154
United States
Mission Sober Living Home in San Diego is one of the best places for gentlemen seeking to achieve long-term recovery from substance abuse. With our finest recovery programs, we ensure you get the best support in your journey of sobriety. For more details about sober living home San Diego, call at 858-731-6590.
20300 Seneca Meadows Pkwy, Unit # 210
Germantown, Maryland 20876
United States
Paré & Associates is a law firm based in Germantown, Maryland. We are committed to helping clients with their legal needs, including family law and divorce issues. We also have expertise in bankruptcy filings and domestic violence cases. If you need an attorney who understands the emotional pain that comes with some of these situations, contact us today for more information about your case or call (301) 515-1190 to schedule an appointment at our office.
1415 Marlton Pike East, Suite 302
Cherry Hill, New Jersey 08034
United States
Attorney Joel R. Spivack is an experienced bankruptcy and residential real estate transactions lawyer in Cherry Hill, New Jersey. Clients come to us for legal services, but what we really provide is peace of mind. For more than 30 years, Attorney Spivack has helped people make wise, informed decisions about bankruptcy filings, debt relief options and residential real estate transactions. || Fax: 856-488-2400 || Website: https://www.spivacklaw.com
Coppertree Plaza
Mesa, Arizona 85202
United States
When you choose a lawyer to represent you, experience and training matters. My AZ Lawyers is comprised of lawyers with the experience and expert training that you need. Their experience gives them far greater insights than what education can provide, which makes them better prepared to represent you to get you the best outcomes possible when dealing with the many things that life sends your way.
3622 Silverside Rd
Wilmington, Delaware 19810
United States
Rated Top Attorney in Delaware Today. Successfully Representing Clients For More Than 25 Years. Business Email : mstirp3@gmail.com Services: Brankruptcy Service, Bankruptcy Consultation, Harassing Creditor Calls, Utility Shut Offs, Repossessions, Lawsuits and Wage Attachments, Mortgage Foreclosures, Chapter 7, Chapter 13, Car Accidents, Slip and Fall Injuries, Defamation – Libel and Slander.
302 North Washington Avenue, Suite 101 West
Moorestown, New Jersey 08057
United States
When you hire our Moorestown bankruptcy attorneys to file bankruptcy, stop a foreclosure, or help relieve your debt, you hire a team of legal advocates who care, who will keep you informed, and who will fight for you every step of the way. Whether you are filing for bankruptcy or trying to stop a foreclosure, we provide new clients a free consultation with a licensed bankruptcy attorney. Call our bankruptcy lawyers in Moorestown for exemplary debt relief legal services. Social Links https://w
6712 Washington Avenue
Egg Harbor Township, New Jersey 08234
United States
Our Egg Harbor, NJ Bankruptcy and debt relief lawyers offer in excess of 75 years of experience to service the needs of the residents in Atlantic County and beyond from our conveniently located office in Egg Harbor, NJ. Egg Harbor, NJ has a zip code of 08234 and our office is within a quarter mile from the Atlantic City Expressway, Blackhorse Pike, New Jersey Parkway, and Tilton Road and is located in the Washington Square West professional center. Contact Egg Harbor bankruptcy attorneys today.
3000 Atrium Way, Suite 200
Mount Laurel Township, New Jersey 08054
United States
When you hire our Mount Laurel Bankruptcy attorney to file bankruptcy, stop a foreclosure, or help relieve your debt, you hire a team of legal advocates who care, who will keep you informed, and who will fight for you every step of the way. Whether you are filing for bankruptcy or trying to stop a foreclosure, we provide new clients a free consultation and have flexible and affordable payment plans. Call our bankruptcy lawyers for debt relief legal services and get the financial relief. Social
757 North Broadway, Suite 401
Milwaukee, Wisconsin 53202
United States
Our Milwaukee personal injury attorney at Check Law LLC is here to help after accidents and injuries. Check Law LLC is a premier personal injury law firm with a strong tradition of obtaining superior results by skillfully and aggressively representing our clients. We provide high-quality legal services at cost-effective prices. We know personal injury laws inside and out – it’s all we do. Speak with our Milwaukee personal injury lawyers today.
1489 Baltimore Pike
Springfield, Pennsylvania 19064
United States
When you hire our firm to file bankruptcy, stop a foreclosure, or help relieve your debt, you hire a team of legal advocates who care, who will keep you informed, and who will fight for you every step of the way. Your phone calls are promptly returned by our Springfield bankruptcy lawyers and professional staff. We’re available 24/7 to talk about debt relief strategies for your current situation. We have flexible and affordable payment plans for any client who may need assistance.
1315 Walnut Street, Suite 502
Philadelphia, Pennsylvania 19107
United States
Our Philadelphia Bankruptcy Lawyers and Foreclosure Defense Attorneys have proudly helped over 5000 clients. Call us for a free consultation over the phone, internet, or in our office. Whether you are filing for bankruptcy or trying to stop a foreclosure, we provide a free consultation with a Pennsylvania licensed attorney. Contact us at Sadek and Cooper Law Offices, LLC to schedule a consultation for bankruptcy and debt relief services.
630 Freedom Business Center Drive, Suite 36
King of Prussia, Pennsylvania 19406
United States
When you hire our bankruptcy law firm in King of Prussia, PA to manage your case, you hire a team of legal advocates who care, who will keep you informed, and who will fight for you every step of the way. Your phone calls are promptly returned by our lawyers. We also provide new clients a free consultation with a licensed attorney and have flexible and affordable payment plans. Call our experienced lawyers in Montgomery County for exemplary debt relief legal services and get the financial relief
2393 Woodward St
Philadelphia, Pennsylvania 19115
United States
Our Philadelphia Bankruptcy Lawyers and Foreclosure Defense Attorneys have proudly helped over 5000 clients. Call us for a free consultation over the phone, internet, or in our office. Whether you are filing for bankruptcy or trying to stop a foreclosure, we provide a free consultation with a Pennsylvania licensed attorney. Contact us at Sadek and Cooper Law Offices, LLC to schedule a consultation for bankruptcy and debt relief services. Social Links https://www.linkedin.com/in/brad-j-sadek-e
103 Hazel Path Court Suite 6
Hendersonville, Tennessee 37075
United States
Fox Law is located in Hendersonville TN and is dedicated to providing quality services in the following practice areas: Bankruptcy Law Bankruptcy Attorney Hendersonville TN, Bankruptcy Relief Lawyer Hendersonville TN, Chapter 7 Bankruptcy Attorney Hendersonville TN, Chapter 13 Bankruptcy Lawyer Hendersonville TN, Debt Relief Lawyer Hendersonville TN, Credit Relief Attorney Hendersonville TN, Bankruptcy Lawyer Hendersonville TN, Madison Bankruptcy Attorney Hendersonville TN, Gallatin Bankruptcy L
12725 W Indian School Rd
Avondale, Arizona 85392
United States
No one ever wants to have a reason to call an attorney, but the number of times in your life that you may actually need an attorney may surprise you. You will need to call an attorney should you separate from your spouse or the other parent of your children. You will need to call an attorney if you are struggling with overwhelming debts and need to explore your options for debt relief. Of course, you will need a lawyer if you are faced with criminal charges. You may not anticipate having to deal
20325 N 51st Ave
Phoenix, Arizona 85308
United States
No one ever wants to have a reason to call an attorney, but the number of times in your life that you may actually need an attorney may surprise you. You will need to call an attorney should you separate from your spouse or the other parent of your children. You will need to call an attorney if you are struggling with overwhelming debts and need to explore your options for debt relief. Of course, you will need a lawyer if you are faced with criminal charges.
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.
