BANKRUPTCY

A BANKRUPTCY CAN ELIMINATE:

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• credit card debt

• personal bank loans

• medical bills

• Lawsuit debts against you

• utility bills

• Automatic and wage garnishments

 

A BANKRUPTCY CAN STOP:

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• Lawsuits

• wage garnishment

• Liens on your property

• bank account garnishment

• creditor harassment

 

A BANKRUPTCY WILL NOT AFFECT:

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• Your job

• Your immigration status

• Your bank account for your personal expenses

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STEPS TO FOLLOW TO ELIMINATE YOUR DEBTS THROUGH BANKRUPTCY.

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1. During your visit to our offices we will listen carefully to the details of your debts and your economic situation. We will explain the options, costs and necessary documentation.

2. We will pull a credit report to have a complete list of your creditors. When you have the necessary documentation, we proceed to file the application with the bankruptcy court.

3. With proof that your request was received (case number) the creditors will be obliged to stop any collection activity.

4. The federal bankruptcy office will notify you of the date and time of the appointment for the meeting of creditors.

5. Your participation in that meeting is really short and simple. This is to verify that the information in the request is true. We prepare it in advance, and the lawyer will be by your side that day for any clarification. At the end of the meeting, your case is normally approved.

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Chapter 7 Bankruptcy

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We have an office located in Westchester. Our attorneys will help you file your bankruptcy in Westchester County or other New York, New Jersey, or Connecticut courts.

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A Chapter 7 bankruptcy could be your path to a fresh financial start because it is designed to free you from most unsecured debts and stop creditor collection efforts. In fact, once you retain our attorney, creditors should stop contacting and harassing you and contact our attorney instead.

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A Chapter 7 bankruptcy will also prevent creditors from continuing collection efforts that include threatening calls and emails. Our attorneys will stop collections by implementing the Automatic Stay protection and will also help you protect your valuable possessions by making full use of Chapter 7 exemptions. Our attorneys will use the Automatic Stay and Chapter 7 exemptions to save your personal property and possessions .

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A Chapter 7 bankruptcy may be for you if you have a lot of credit card debt or medical bills. It will eliminate all your credit card debt and medical bills in just a few months. During this time, our attorneys will stop creditor collection efforts so you can have peace of mind.

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Also, you can protect your property and personal belongings. Our attorneys will fight to protect your home, wages and cars, and even stop the foreclosure on your home. Our attorneys will also protect your personal items and other possessions, such as work tools, clothing, furniture, appliances, and other household items.

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Our experienced attorneys will guide you through the entire bankruptcy process. The last bankruptcy laws were passed in 2005 and the eligibility requirements changed. A person must meet the "means test" to qualify for Chapter 7 Bankruptcy. After our attorneys verify that you pass the "means test," you will be required to take two required credit counseling courses and attend a "meeting of creditors." Shortly thereafter, you will receive a "discharge notice," which means your case is over. The whole process should take 3-6 months.

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An experienced attorney is what you need to regain your financial freedom!

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CALL NOW AND RECEIVE THE FIRST CONSULTATION FOR FREE

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