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Chapter 7 Bankruptcy

This option is the most straightforward way to settle your financial debts. Chapter 7 involves the liquidation of your various assets (with some exceptions) to pay for your creditors. The details of the process for individuals differ from the ones used for businesses and are generally more lenient in which assets are exempt from liquidation.

  • Automatic Stay from collection activities.
  • Be debt free in approximately 90 days.
  • Discharge credit card debt, payday loans, judgments, medical bills and certain taxes.
  • Retain exempt assets including homes, cars and personal belongings.
  • Stop harassing phone calls.
  • Stop bank account garnishments.
  • Immediately after discharge start rebuilding credit.

Chapter 13 Bankruptcy

Using this option involves reorganizing your finances to create a plan for you to pay your creditors. Plans average around 3-5 years in length and must adhere to certain conditions. Chapter 13 also has the advantage of protecting your property from foreclosures for the duration of the plan.

  • Automatic Stay from collection activities.
  • Monthly payment options.
  • Stops home foreclosures and vehicle repossessions.
  • A 3-to-5-year payment plan allowing you to catch up your mortgage and vehicle arrears.
  • Discharge credit card debt, payday loans, judgments, medical bills and certain taxes.
  • Save you home, vehicles and retain all your assets.
  • Stop harassing phone calls.
  • Stop bank account garnishments.

Debt Settlement

Bankruptcy is not for everyone. Consider settling your debts. Creditors will often settle for less than the original amount. We will negotiate a settlement you can afford. If you have been sued, call us. We’ve defended hundreds of debt collection lawsuits.

Mortgage Modification

Have you fallen behind on your mortgage payment or been granted a forbearance that is ending? You could qualify for a mortgage modification that restructures the original terms of your loan. Mortgage modifications can reduce the principal balance, extend the note, reduce the interest rate, or all the above. Modification programs differ among mortgage lenders. We will help you navigate the application process while holding the mortgage company accountable for the documents submitted.

Debt Settlement

Bankruptcy is not for everyone. Consider settling your debts. Creditors will often settle for less than the original amount. We will negotiate a settlement you can afford. If you have been sued, call us. We’ve defended hundreds of debt collection lawsuits.

Mortgage Modification

Have you fallen behind on your mortgage payment or been granted a forbearance that is ending? You could qualify for a mortgage modification that restructures the original terms of your loan. Mortgage modifications can reduce the principal balance, extend the note, reduce the interest rate, or all the above. Modification programs differ among mortgage lenders. We will help you navigate the application process while holding the mortgage company accountable for the documents submitted.

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ESTATE PLANNING

Everyone has an estate. The estate is made up of everything you own. Wills transfer assets upon your death. A Will is one of the most important things you can do for yourself and your family. A Trust allows you more control over your estate than a typical Will by allowing you to decide how and when your assets are to be distributed. Trusts are recommended when the beneficiaries are children or young adults. We’ll work closely with you to create the right estate plan for your family.

Probate

A good estate plan should focus on avoiding the probate process. However, you may be required to probate a loved ones Will. We can help you navigate the probate process so you can focus on your family’s needs.

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