1201 Pacific Ave
Tacoma, Washington 98402
United States
Northwest Debt Relief Law Firm a debt relief law firm Tacoma help clients rebuild their credit after bankruptcy. Our focus is not just on eliminating debt but on helping you return to the financial mainstream as soon as possible. Call us at 253-343-1944.
20 W Kinzie St
Chicago, Illinois 60610
United States
At 1818 – An Advocacy Group, we help many different types of professionals including nurses, social workers, therapists and more. Contact us to see how a Chicago professional license attorney can help you.
410 W University Dr
Rochester, Michigan 48307
United States
Rochester, Michigan bankruptcy attorney Karen E. Evangelista has over 31 years of experience practicing in bankruptcy law and will help you determine which, if any, type of bankruptcy is right for you.
1540 River Park Dr #220
Sacramento, California 95815
United States
Attorney Debt Reset Inc is your one stop Sacramento bankruptcy attorney and bankruptcy Sacramento law firm. If you need Sacramento bankruptcy lawyer, bankruptcy attorney Sacramento, then give us a call today!
713 Cherry Street
Chattanooga, Tennessee 37402
United States
Bankruptcy Attorney Eron Epstein : I am certified as a Specialist in Consumer Bankruptcy by the American Board of Bankruptcy. Over the past 39 years I have helped thousands in Tennessee and North Georgia exercise their right to file for bankruptcy. I pride myself on providing caring, knowledgeable services to free my clients from their debt, creditor calls, and financial trouble. I serve the needs of good people in Southeast Tennessee, including Chattanooga and Cleveland and in Northwest Geor
18851 NE 29th Ave, Suite 700, Miami
Miami, Florida 33180
United States
Attorney Advocates of America is a debt relief Law Firm assisting clients reconcile debt issues. We’re one of the largest consumer Debt Relief Law Firms in America helping with all forms of consumer matters, IRS Tax Issues, Loan Defaults, loan modifications, timeshare matters, bankruptcy, debt settlement and Credit Card Lawsuit Defense.
23 Indian Trail
Merrillville, Indiana 46410
United States
Law Office of Kevin M. Schmidt P.C, Merrillville, IN bankruptcy attorney, will show you how bankruptcy will benefit you by allowing you to get out of debt.
23 S Main St
Akron, Ohio 44308
United States
The Akron commercial litigation attorneys at Niekamp, Weisensell, Mutersbaugh & Mastrantonio, LLP have grown to cover cases of estate planning, personal injury, criminal law,bankruptcy and creditors and #039; rights. Call our Northeast Ohio business litigation law office to see how we can help your case.
2410 Bluebird Ln
Rolling Meadows, Illinois 60008
United States
At SAM LAW OFFICE LLC, we are committed to making a positive difference in the lives of our clients. As a law firm concentrating in family law and personal injury law, we work daily on behalf of clients who are often facing some of the most difficult times of their lives. Put a skilled and compassionate divorce attorney and injury lawyer advocate in your corner from Rolling Meadows and Arlington Heights.
1422 Euclid Avenue Suite 970
Cleveland, Ohio 44115
United States
DESCRIPTION: David Benson is a caring Cleveland bankruptcy attorney and foreclosure defense lawyer, representing debtors for a better financial future. Don’t Avoid Creditor Calls Forever. The Time Is Now To Take Action. The best way to calm your worries is to get information. When people contact us and arrange a consultation, they tend to walk away with a more optimistic outlook and real actionable ways to start over. We welcome you to set up a meeting and discuss your questions and conce
24301 Walden Center Drive Suite 300
Bonita Springs, Florida 34134
United States
Ryan J. Really has over 30 years of experience serving in the US military. Including Operation Iraqi Freedom. Put that character and discipline to work for you. Mr. Really has experience assisting individuals and their families with bankruptcy, debt negotiation, and foreclosure defense and is prepared to fight on your behalf. If you or someone you love is struggling to make regular payments on credit card debt, mortgage loans, car loans, or other debts, call Ryan J. Really today.
560 White Plains Rd Suite 305
Tarrytown, New York 10591
United States
DESCRIPTION: At Hermann Law Group, we specialize in fighting for you for your social security disability, long term disability, veterans disability and railroad retirement disability. At Hermann Law Group, we realize that one of the most difficult things about applying for disability is the stress it involves. You are already disabled, often dealing with pain and financial uncertainty. Trying to fight the system alone can be confusing, demoralizing, and exhausting.
8790 F Street Suite 214
Omaha, Nebraska 68127
United States
The idea of bankruptcy terrifies many people. You likely believe that filing for chapter 7 or chapter 13 means that you will lose all of your property. You are likely unsure of what debts can be discharged through bankruptcy, whether you are even eligible to file, and how it will other wise impact your life. Contact us online or by telephone, at (402) 718-8865 to consult with Burke regarding a chapter 7 or chapter 13 bankruptcy.
1811 S Alma School Rd
Mesa, Arizona 85210
United States
Zolman law is one of the best law firm in Mesa, Providing major legal services such as bankruptcy, family law, business law, personal injury and tax relief. Discuss about your problem our Mesa attorneys will resolve your questions or use our debt solutions finder tool to see if bankruptcy is fit for you.
18027 Harwood Avenue
Homewood, Illinois 60430
United States
Whether you need a Chapter 7 bankruptcy to wipe out your credit card debts and give you a fresh start, or a Chapter 13 repayment plan to stop foreclosure, Lorraine M. Greenberg, a Homewood, IL Bankruptcy Attorney, has the knowledge and more importantly, the experience to guide you through the intricacies of the new federal bankruptcy laws. When choosing a bankruptcy lawyer, it is important to consider the attorney’s knowledge, experience, reputation, and the level of service you will receive.
1575 Pine Ridge Rd Suite 10
Naples, Florida 34109
United States
Ryan J. Really has over 30 years of experience serving in the military. Including Operation Iraqi Freedom. Put that character and discipline to work for you. Naples, FL attorney Mr. Really has experience assisting individuals and their families with bankruptcy, debt negotiation, and foreclosure defense and is prepared to fight on your behalf. If you or someone you love is struggling to make regular payments on credit card debt, mortgage loans, car loans, or other debts, call Ryan J. Really today
10730 Pacific St. #100
Omaha, Nebraska 68114
United States
The idea of bankruptcy terrifies many people. You likely believe that filing for chapter 7 or chapter 13 means that you will lose all of your property. You are likely unsure of what debts can be discharged through bankruptcy, whether you are even eligible to file, and how it will other wise impact your life. Contact us online or by telephone, at (402) 718-8865 to consult with Burke regarding a chapter 7 or chapter 13 bankruptcy.
8350 North Central Expressway Suite 1200
Dallas, Texas 75206
United States
If you are dealing with insurmountable debt, it may be time to discuss your options with the Dallas bankruptcy lawyers at our firm. At Allmand Law Firm, PLLC, our team provides effective debt relief services for our valued clients in Dallas, Fort Worth, and the Mid Cities. Whatever issues you may be facing, we can help you examine your options and take steps toward a better, more stable financial future. Call now to get started!
7400 Carmel Executive Park Dr
Charlotte, North Carolina 28226
United States
If you decide to file for bankruptcy, you will need dedicated legal assistance to secure a favorable outcome. For more than 20 years, our firm has been helping individuals with financial difficulties to find the resolution they need. For the personal attention you deserve, contact our Charlotte bankruptcy attorney today! Jack Lezman will work one on one with you at every step of your case.
1415 West 22nd Street Tower Floor
Oak Brook, Illinois 60523
United States
Whether you need a Chapter 7 bankruptcy to wipe out your credit card debts and give you a fresh start, or a Chapter 13 repayment plan to stop foreclosure, Lorraine M. Greenberg, a Oak Brook Bankruptcy Attorney, has the knowledge and more importantly, the experience to guide you through the intricacies of the new federal bankruptcy laws. When choosing a Oak Brook, IL bankruptcy lawyer, it is important to consider the attorney’s knowledge, experience, reputation, and the level of service you will
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.
