Considering Filing for Bankruptcy?
We Can Save You Today; Make the Call, We’ll Save You From Those Harassing Phone Call
Our bankruptcy law firm is dedicated to helping business and consumers filing for bankruptcy. During our initial meeting, we will determine whether or not filing bankruptcy is right for you or your company. If it is not, then we may refer you to an expert credit counselor or other helpful consultant. If a bankruptcy is the right action for you to take, our bankruptcy law firm handles all manner of bankruptcies – large and small, complex and simple, consumer and corporate.
Bankruptcy in the United States serves both debtors and creditors by seeing that debtors get relief from debts they can't pay, and that creditors get paid from whatever assets the debtor does not need to live after the bankruptcy filing is completed. The Federal Law found in Title 11 of the United States Code governs bankruptcy. As Federal Law, it supercedes any conflicting State Law by reason of the Supremacy Clause of the United States Constitution. With the exception of personal exemptions, it is the same from state to state
There are four kinds of bankruptcy proceedings. They are referred to by the Chapter of the Federal Bankruptcy Code that describes them.
Chapter 7 Bankruptcy – is a liquidation or “fresh start” bankruptcy. It wipes out most debt, and also liquidates assets.
More information about Chapter 7 Bankruptcy
Chapter 11 Bankruptcy – is a business reorganization bankruptcy that is also sometimes used by high-earning professionals. It is a complex type of bankruptcy to file, and not every lawyer is qualified to assist a client in filing a Chapter 11 bankruptcy.
More information about Chapter 11 Bankruptcy
Chapter 12 Bankruptcy – is a bankruptcy code provision specifically for farmers. Although uncommon, our bankruptcy law firm has experience successfully completing Chapter 12 bankruptcies.
More information about Chapter 12 Bankruptcy
Chapter 13 Bankruptcy – is sometimes called a wage-earners bankruptcy. It reduces some debt, or changes the repayment rate or interest rate, and reorganizes the remaining debt so that it may be paid over time.
More information about Chapter 13 Bankruptcy
Taxes & Bankruptcy – it is a common misperception that all taxes must be paid even after a bankruptcy. This is not entirely true, and our bankruptcy law firm can show you why.
More information about Taxes and Bankruptcy
Student Loans & Bankruptcy – another common misperception is that student loans do not disappear, even after filing bankruptcy. This is not entirely true, and our bankruptcy lawyer can tell you about it.
More information about Student Loans and Bankruptcy
Mortgages & Bankruptcy – homeowners sometimes get into financial trouble due to predatory lending practices. Our law firm can help clarify the relationship between mortgages and filing for bankruptcy.
More information about Mortgages and Bankruptcy
Correcting Credit Reports – although not specifically tied to a bankruptcy, a credit report with errors in it can make it even more difficult to recover from a bankruptcy. We can help you correct your credit report.
More information about Correcting Credit Reports
Please explore the information on our website. Or, if you would like expert advice from a bankruptcy attorney, we urge you to call our law office today, or contact our bankruptcy law firm via the Internet.
