15 years of experience practicing primarily in Bankruptcy Law
All clients meet with the attorney ie Not with an associate attorney or paralegal
Attorney creates "blueprint" of steps to be taken to address each individual client's financial situation
Chapter 7
If you are not able to pay your monthly expenses and your bills, then Chapter 7 may be the right option. Chapter 7 is a “quick bankruptcy” that gets rid of credit cards, medical bills and other personal loans (unsecured debt).
Chapter 13
Chapter 13 allows individuals to save their houses and businesses. Under Chapter 13, you have up to five years to “catch up” on debt that needs to be paid (house arrears, taxes). In addition, a second mortgage can be avoided by filing a Chapter 13 Bankruptcy.
Foreclosure Alternatives
If a person’s own house is their only/primary problem, Mediation, Modification or short sale are non-bankruptcy alternatives to deal with foreclosure…