Have you been struggling with insurmountable debt? Do you find yourself making payments every payday, only to have to use your credit cards to cover the gap before your next check? Have you been paying minimum payments on credit accounts and never making any progress? Bankruptcy can offer you a financial fresh start. Financial stress is harmful to your health, your emotional wellbeing, and your relationships.
In a perfect world, nobody would have to hire an attorney to represent them in a family law case. Unfortunately, in the real world sometimes that is exactly what you need. You might be facing divorce, a paternity case, or need to do a post-decree modification. We will provide aggressive, comprehensive advocacy for you. It is important to us that you understand how the law works and what options are available to you.
Providing you with effective advocacy is paramount. But we never forget how difficult it is to be going through a stressful process when there may be uncertainty as to the outcome.
In a perfect world, nobody would have to hire an attorney to represent them in a family law case. Unfortunately, in the real world sometimes that is exactly what you need. You might be facing divorce, a paternity case, or need to do a post-decree modification. We will provide aggressive, comprehensive advocacy for you. It is important to us that you understand how the law works and what options are available to you.
Providing you with effective advocacy is paramount. But we never forget how difficult it is to be going through a stressful process when there may be uncertainty as to the outcome.
Services
Personal Bankruptcy ch.
7 & 13, stopping foreclosures and repossessions, stopping wage garnishment, and debt collection calls, debt negotiation and settlement, vehicle loan cram-downs, second mortgage stripping.
Family Law - divorce, spousal maintenance, asset division, temporary orders, legal custody (legal decision making), parenting plans, child support (modification and enforcement).
Post-decree Litigation - enforcement of court orders, modification of legal decision making and parenting time, modification of spousal maintenance.
7 & 13, stopping foreclosures and repossessions, stopping wage garnishment, and debt collection calls, debt negotiation and settlement, vehicle loan cram-downs, second mortgage stripping.
Family Law - divorce, spousal maintenance, asset division, temporary orders, legal custody (legal decision making), parenting plans, child support (modification and enforcement).
Post-decree Litigation - enforcement of court orders, modification of legal decision making and parenting time, modification of spousal maintenance.
Many business owners believe that, if their business is in financial stress, their only option is a liquidating Chapter 7 or a Chapter 11 reorganization.
If you have student loans that are in default, you might be able to get them out of default status.
If you are behind on your vehicle loan or mortgage payments, you are at risk of losing your vehicle or your home.
If you have student loans that are in default, you might be able to get them out of default status.
If you are behind on your vehicle loan or mortgage payments, you are at risk of losing your vehicle or your home.
Chapter 7 bankruptcy is a "liquidation" bankruptcy.
When an individual (or a married couple) files for Chapter 7 bankruptcy most of their unsecured debt will be discharged (eliminated).
However, if the debtor (the person filing bankruptcy) owns non-exempt property or assets, the property or assets could be sold, and the proceeds used to pay (or partially pay) the debtor's creditors.
If you are reading this and think, that does not sound good, do not worry.
Most Chapter 7 debtors have little or zero non-exempt assets.
When an individual (or a married couple) files for Chapter 7 bankruptcy most of their unsecured debt will be discharged (eliminated).
However, if the debtor (the person filing bankruptcy) owns non-exempt property or assets, the property or assets could be sold, and the proceeds used to pay (or partially pay) the debtor's creditors.
If you are reading this and think, that does not sound good, do not worry.
Most Chapter 7 debtors have little or zero non-exempt assets.
Debtors who are not eligible for a Chapter 7 bankruptcy may file a Chapter 13 bankruptcy.
A Chapter 13 bankruptcy also enables the debtor to things that cannot be done in a Chapter 7 bankruptcy.
Many people think of a Chapter 13 bankruptcy as being "the one where you actually have to pay all your debt", but that is a misunderstanding of how Chapter 13 works.
Whether or not the debtor has to pay any part of their unsecured debt in a Chapter 13 depends on the calculation to determine the debtor's disposable monthly income.
A Chapter 13 bankruptcy also enables the debtor to things that cannot be done in a Chapter 7 bankruptcy.
Many people think of a Chapter 13 bankruptcy as being "the one where you actually have to pay all your debt", but that is a misunderstanding of how Chapter 13 works.
Whether or not the debtor has to pay any part of their unsecured debt in a Chapter 13 depends on the calculation to determine the debtor's disposable monthly income.
Many business owners believe that, if their business is in financial stress, their only option is a liquidating Chapter 7 or a Chapter 11 reorganization.
A business owner may know enough to know that a Chapter 11 is expensive to file (it is), and think that their only option is to close the business and file a Chapter 7.
That is not always the case.
Even though a Chapter 13 can only be filed by individuals (not business entities), it is often the case that having the business owner file a Chapter 13 case will help reorganize debt to the point that the business is able to survive.
A business owner may know enough to know that a Chapter 11 is expensive to file (it is), and think that their only option is to close the business and file a Chapter 7.
That is not always the case.
Even though a Chapter 13 can only be filed by individuals (not business entities), it is often the case that having the business owner file a Chapter 13 case will help reorganize debt to the point that the business is able to survive.
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