If you are thinking of filing for bankruptcy you should contact our office for your free consultation to discuss your case. If you decide to move forward a retainer of $250.00 will get your case started and then we will accept monthly payments until your fees are paid in full and then we file your case. While you are making your payments you can refer your creditors to our office.
Call today for your free consultation, we have offices in Eastgate, Middletown and Fairfield to serve you.
Wednesday, September 26, 2012
Wednesday, September 19, 2012
What debts are dischargable through bankruptcy?
Most unsecured debts such as medical debt and credit card debt are dischargable through Chapter 7 Bankruptcy. Secured debts (debts secured by collateral such as a vehicle or home) can also be discharged if you decide to let the collateral go back to the creditor. Reinstatement fees for drivers licenses are also able to be dicharged through Chapter 7. Some IRS debts may even be able to be discharged depending on your individual situation.
Call us today for your free consultation to discuss your individual situation. We have locations in Eastgate, Middletown and Fairfield to serve you.
Call us today for your free consultation to discuss your individual situation. We have locations in Eastgate, Middletown and Fairfield to serve you.
Wednesday, September 12, 2012
What's the point?
Many people right now are suffering from financial losses in their lives and feel that bankruptcy will not even help them out. But it would. It would get the creditors off of your back and protect your wages when the economy comes back and there are jobs to be had, this could also help you with potential employers who may look at your credit prior to hiring. Give us a call for your free consultation, we have locations in Eastgate, Middletown and Fairfield to serve you.
Wednesday, September 5, 2012
Chapter 7 v. Chapter 13
What are the differences between Chapter 7 and Chapter 13 Bankruptcies? The main difference is that in a Chapter 7 you do not pay back any of your debts except for things that you would like to keep.
In Chapter 7 you can keep your home and vehicle if you are up to date on your payments and do not have too much equity in your property. All of your unsecred debt would be discharged through the case and you would no longer be responsible for these debts.
Chapter 13 is designed to help you possibly save your home from foreclosure or your vehicle from repossession. You would pay a percentage of your unsecured debts. Chapter 13 is a 3 to 5 year process which allows you to pay back a percentage of your debts while most interest and late fees will stop. This will also stop a foreclosure and allow you to pay the amount you are behind over the 3 to 5 year period.
Both chapters can be beneficial under the right circumstances. Contact our office today for your free consultation and to discuss your individual situation. We have locations in Eastgate, Middletown and Fairfield to serve you.
In Chapter 7 you can keep your home and vehicle if you are up to date on your payments and do not have too much equity in your property. All of your unsecred debt would be discharged through the case and you would no longer be responsible for these debts.
Chapter 13 is designed to help you possibly save your home from foreclosure or your vehicle from repossession. You would pay a percentage of your unsecured debts. Chapter 13 is a 3 to 5 year process which allows you to pay back a percentage of your debts while most interest and late fees will stop. This will also stop a foreclosure and allow you to pay the amount you are behind over the 3 to 5 year period.
Both chapters can be beneficial under the right circumstances. Contact our office today for your free consultation and to discuss your individual situation. We have locations in Eastgate, Middletown and Fairfield to serve you.
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