1607 E Palmdale Blvd
Palmdale, California 93550
United States
Borowitz & Clark, LLP is a leading consumer law firm in California with offices in Palmdale, Ontario, Santa Fe Springs, West Covina, Torrance and Glendale. We will fight to make sure you get the most out of your bankruptcy.
3868 W Carson Street, Suite 332
Torrance, California 90503
United States
At Borowitz & Clark, you are not just another bankruptcy case. We understand that every client and every case is unique. We wll give you and your case the attention you deserve to ensure that you understand your options and we’ll choose a path that meets your needs. Our firm is led by two of the most experienced consumer bankruptcy attorneys in Southern California: Barry Borowitz and Erik Clark. We are one of the top law firms in Torrance and our expert team is ready to help you get out of debt
3535 Inland Empire Boulevard #45
Ontario, California 91764
United States
Borowitz & Clark, LLP is a leading consumer bankruptcy law firm in California with offices in Ontario, Santa Fe Springs, West Covina, Glendale, Palmdale and Torrance,. Barry Borowitz and Erik Clark, are both board-certified consumer bankruptcy specialists as certified by the American Board of Certification. We will work with you to make sure you understand your options and the bankruptcy process and we will fight to make sure you get the most out of your bankruptcy.
860 Airport Fwy Suite 401
Hurst, texas 76054
United States
At Allmand Law Firm, PLLC, our clients come first. Our team is committed to finding workable debt relief solutions that suit the needs of each individual. Since not every case is identical, the same solution won’t work for every individual. Our firm has helped tens of thousands of clients over the past decade – now, we’re ready to help you.
4920 Broadmoor SE
Kentwood, Michigan 49512
United States
With over a quarter century of legal experience, the Grand Rapids, Michigan attorneys Howard and Justin Van Den Heuvel are ready to fight for your rights. Call the Van Den Heuvel Law Office today at 616-698-0000 to discuss your case.
5315 N Broadway
Knoxville, Tennessee 37918
United States
The Pope Firm is East Tennessee’s leading source for helping clients with credit card bills, medical bills, harassing calls from debt collectors, and filing for bankruptcy. We offer Chapter 7, 11, and 13 bankruptcy support for both personal and businesses. Each of our offices provide each client with a free consultation and a majority of our clients qualify for $0 money down! Contact us today for your free bankruptcy case evaluation.
12631 East Imperial Highway #104
Santa Fe Springs, California 90670
United States
Borowitz& Clark, LLP is a leading consumer bankruptcy law firm in California with offices in Santa Fe Springs, West Covina, Glendale, Ontario, Palmdale and Torrance,. Barry Borowitz and Erik Clark, are both board-certified consumer bankruptcy specialists as certified by the American Board of Certification. We will work with you to make sure you understand your options and the bankruptcy process and we will fight to make sure you get the most out of your bankruptcy.
3525 Quakerbridge Rd., Suite 903
Trenton, New Jersey 08619
United States
We are a General Practice Law Firm specializing in Bankruptcy, Criminal Law and Municipal Court/Traffic matters. We pride ourselves on our compassionate, ethical approach to the law and we strive to earn the trust and confidence of our clients. We are committed to providing outstanding representation with a personal approach. Call today for a free initial consultation!
6730 Roosevelt Avenue Suite 409
Middletown, Ohio 45005
United States
I have been practicing bankruptcy law in Middletown, Ohio for over 18 years and I provide personal attention in my cases. I have helped thousands of people eliminate debts and save real estate from foreclosure sales, as well as prevent repossession of vehicles. I have prepared wills for over 10 years to help people prepare for future asset planning. If your debts can be settled, I can help. If bankruptcy is your best option, I will be an attorney who will take the time to answer all of your ques
5775 Wayzata Blvd #700
Louis Park, Minnesota 55416
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 St. Louis Park location for a free case evaluation.
757 North Broadway, Suite 401
Milwaukee, Wisconsin 53202
United States
With over 30 years of knowledge & experience, we provide advice and legal representation to many clients, individuals and business. Bankruptcy law is the sole focus of our practice. We can help you take control of your financial situation and give you the peace of mind you deserve. At Bankruptcy Law Office of Richard A. Check, S.C., our bankruptcy attorneys take the time to learn about your specific situation and can tell you how the law may help you in a free bankruptcy consultation.
8161 S Saginaw St
Grand Blanc, Michigan 48439
United States
Kaye Law Office is your trusted law firm for all of your legal needs, serving the Grand Blanc and Flint, Michigan areas. Since 2002, Roxane Kaye has provided legal services specializing in estate planning, probate trust administration, chapter 7 bankruptcy, chapter 13 bankruptcy, real estate transactions, deed drafting and even personal injury. With years of experience and proper training, Kaye Law Office provides trusted legal services and will always see to it that you’re in good hands.
100 North Brand Boulevard Suite 636
Glendale, California 91203
United States
Borowitz & Clark, LLP is a leading consumer bankruptcy law firm in California with offices in Glendale, West Covina, Ontario, Palmdale, Torrance and Santa Fe Springs. Barry Borowitz and Erik Clark, are both board-certified consumer bankruptcy specialists as certified by the American Board of Certification. We will work with you to make sure you understand your options and the bankruptcy process and we’ll fight to make sure you get the most out of your bankruptcy.
601 Heritage Dr Suite 457
Jupiter, Florida 33458
United States
Website: https://www.gortlaw.com Gort Law, P.A. Business, Bankruptcy and Family Law in Jupiter, FL and is dedicated to providing quality legal Services in the following areas; Small Business Attorney Jupiter FL, Transaction Attorney Jupiter FL, Bankruptcy Attorney Jupiter FL, Family Attorney Jupiter FL, Child Support Attorney Jupiter FL, Divorce Attorney Jupiter FL, Child Custody Attorney Jupiter FL. Call us today at +1 561-900-0478 We can help! We look forward to hearing from you.
3260 N Hayden Rd
Scottsdale, Arizona 85251
United States
Arizona Credit Lawyers is located in Scottsdale, AZ and we represent clients from all over Arizona. Our legal team expertly protect and represent the rights of consumers whose credit report has been violated, is erroneous and those who are dealing with harassing debt collection phone calls. We can also assist you with identity theft issues and their legal ramifications.
5637 Brooklyn Blvd #200
Brooklyn Center, Minnesota 55429
United States
Mounting debts and incessant calls from creditors can be stressful, leaving you feeling hopeless and overwhelmed. With over 30 years of experience, our firm offers unparalleled legal counsel in bankruptcy matters. If you are struggling financially, you need an experienced Brooklyn Center, Minnesota bankruptcy attorney by your side. Attorney Gregory J. Wald understands that bad debt can happen to good people, and is dedicated to helping clients overcome their difficult situation in order to move
82 14th St
Wheeling, West Virginia 26003
United States
Thomas E. McIntire & Associates, LC, can provide you with the assistance you need to become debt-free. We devote extensive attention, time and energy, to individuals who are pursuing Chapter 7 or Chapter 13 bankruptcy. For nearly 30 years, we have been helping people who are faced with complex debt matters. Call our West Virginia bankruptcy lawyers at 304-232-8600.
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.
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.
