Compassionate Council You Can Trust

We understand the financial pressure you are under and will devise repayment plans that will work for you. If you are filing for Chapter 13 bankruptcy, you may be able to incorporate your legal fees into the debt reorganization.

Most bankruptcy cases never end up in court. In most cases, you will never have to appear before a judge or jury.

After bankruptcy, most of your debt is cleared. Credit card companies will see you as a much better credit risk than someone who continually has debt. Our center can put you into contact with bankruptcy-friendly lenders.

A credit record is damaged through the inability to make or meet minimum monthly payments, not through filing for bankruptcy. After bankruptcy, as long as you are responsible with subsequent cards, your credit score will actually improve.

Because you should be able to obtain credit following a bankruptcy, you should have little difficulty in making important purchases such as buying a house or car. You should also have very little trouble renting an apartment.

This perception is completely false. Congress designed bankruptcy laws to help people with acute financial problems to make a new beginning. Emerging from debt is far better than remaining in debt and worsening your situation.

While this statement is technically true, it is not advisable to file on your own. An experienced bankruptcy attorney can apprise you of opportunities and pitfalls that you may not be aware of. In addition, a lawyer can ensure your bankruptcy is handled smoothly and efficiently.

A debt counselor can only help you reorganize debt and try and negotiate plans with creditors. This does not put an end to harassment, nor does it completely eliminate the debt. An attorney helping you to declare bankruptcy can put an immediate stop to harassment, foreclosure and repossession.

In very specific circumstances, student loans may be included in the liquidation of debt. Also, when declaring Chapter 13, you may include student loans in your repayment plan, which can save you money.

While recent bankruptcy legislation has made Chapter 7 bankruptcy filing a more difficult option to qualify for, you may still be able to qualify for Chapter 13 reorganization bankruptcy. Call us for a consultation to discuss your options.