Learn More About Our Compassionate, Local Bankruptcy Lawyers
Bankruptcy Informations can help you connect with the top local bankruptcy lawyers today.
Our Mission
Sadly, it is common for people who are heavily in debt to feel emotionally exhausted. When facing bankruptcy, stress can often feel overwhelming and difficult to handle. The good news is that you are not alone, and filing for bankruptcy can provide financial relief from debt.
We know bankruptcy is an embarrassing and stressful experience. That is why we provide compassionate representation for our clients.
Our mission is to support and guide our clients through this process to make it as easy and stress-free as possible. We are dedicated to providing clients with the support, compassion, and strength they need to cope with these challenging times.
Experienced Lawyers
We are committed to helping our clients resolve their financial challenges. Each of our clients receive the dignity and respect they deserve.
Our experienced attorneys consult with every client one-on-one to help them determine if bankruptcy is the right move. Clients can depend on us for information, guidance, and attentiveness to help make that decision as easy as possible.
About Our Services
If you’re struggling with debt, you have options and rights. If you take action, you can take control of your financial future again. The driving principle of our firm is to help people get out from under crippling debt and creditor harassment. Our bankruptcy attorneys will guide you through every step of the bankruptcy process.
Chapter 7 Bankruptcy: A Fresh Start
A Chapter 7 bankruptcy provides for a “fresh start” by wiping out all of your debt. We prove to the court through a Chapter 7 that your budget cannot allow you to pay your current debt.
Chapter 13 Bankruptcy: Relieve Financial Burden
You may find that bankruptcy under Chapter 13 is your best option. People with large amounts of debt that cannot be discharged by Chapter 7 bankruptcy should consider this type of bankruptcy filing, according to the bankruptcy lawyers at Bankruptcy Informations. The bankruptcy court sets a repayment plan for creditors during a Chapter 13 bankruptcy. The repayment schedule is usually three to five years long.
A Quick Overview of the Bankruptcy Process
Step One: Get Started
Contact Bankruptcy Informations to schedule a free bankruptcy consultation. We will send you some forms to fill out before our meeting. During your free consultation, an attorney reviews your paperwork with you and helps you determine the type of bankruptcy that is right for you.
Step Two: Complete Required Courses
A credit counseling session needs to be completed before your bankruptcy case can be filed, and you must complete a financial management course after it is filed. You can complete both sessions online or over the phone.
Step Three: Meeting of Creditors
The Meeting of Creditors will occur approximately one month after you file your bankruptcy petition. The Trustee will review your case during this meeting.
Step Four: Hearing and Discharge
If you file Chapter 13, The Bankruptcy Judge approves your repayment plan at a confirmation hearing. Generally, you are not required to attend this hearing. The bankruptcy court sends you an Order of Discharge by mail once the repayment plan is completed for Chapter 13, or approximately two to three months after the Meeting of Creditors hearing for Chapter 7.
Bankruptcy Can Help Relieve Financial Stress
Bankruptcies are filed every day by good, hardworking people. Many people need bankruptcy due to circumstances beyond their control, such as an illness, job loss, income decrease, divorce, or failed business. Mistakes in financial judgment or errors may lead to people needing assistance.
The truth is that people face these financial difficulties, hardships, and mistakes every day. People of all ages and income levels are subject to them.
Filing for bankruptcy does not determine whether anyone is bad or
irresponsible. The decision to declare bankruptcy is often the most
responsible thing a person could do to help themselves, their families, or their
businesses.
Most people do not consider that filing bankruptcy can greatly relieve stress. The negative emotions that arise from negotiating, communicating, and fighting off creditors often cause more stress than the actual bankruptcy proceedings.
Relief From Your Creditors With The Automatic Stay
The bankruptcy court will grant you an automatic stay as soon as you file for bankruptcy. Automatic stays are a hold placed on your creditors by the court. In other words, they are prohibited from pursuing you during the filing process. You won’t receive phone calls, letters, or wage garnishments during this time.
Erase Your Debts With A Bankruptcy Discharge
Filing can also relieve financial stress in the long term by discharging your debts. This means that after you get through the stress of bankruptcy, you’ll be able to resume your life without the burden of your debts.
Making the decision to file can be one of the best ways to reduce the stress associated with bankruptcy. The longer you wait to file, the more pressure you’ll feel from your debts. Interest rates will compound what you owe, creditors will pursue you aggressively, and your financial freedom will shrink. Filing for bankruptcy will allow you to put an end to that burden and provide you with new financial possibilities.
Contact Our Local Bankruptcy Lawyers Today
Bankruptcy could stop home foreclosure, lawsuits, creditor harassment, car repossession, evictions, drivers license suspension from back child support, wage garnishments, and judgment liens. Contact us today for a free consultation and see how our bankruptcy lawyers can help you.