Chapter 7

Bankruptcy is a process provided for under United States federal law under which you are entitled to a fresh start.

Call 1-866-595-1610 NOW
or use our FREE
confidential online case evaluation form.

Chapter 7 Bankruptcy can help eliminate credit cards, medical bills, personal loans, judgments and deficiencies on repossessed vehicles.

In most cases, along with eliminating your debt, you typically can keep all of your property. You are allowed to keep your car and home as long as those payments remain current. Our member attorneys should be able to make the arrangements for you to reaffirm these debts. They may be able to use Chapter 7 to provide you with the relief you need allowing you to take advantage of many benefits you may not be aware of. Choose any category below to find out more about Chapter 7 bankruptcy and its many benefits!

Warning!

• End Creditor Harassment
• Wipe Out Repossession Debts
• Avoid Wage Garnishments and Lawsuits for Auto Accidents
• Overcome Driver’s License Suspension
• If I File Bankruptcy, Is My Credit Ruined?
• Don’t Lose Your House, Car and Personal Belongings
• Changes in the Bankruptcy Law
• Easy Payment Plans and Reasonable Fees

Call 1-866-595-1610 NOW
or use our FREE
confidential online case evaluation form.

Warning!
Before you read further, we want to make you are aware of a very important development that has taken effect in the last few months. Congress has drastically restricted your right to get out of debt by passing a new bankruptcy law. In its current form, the bankruptcy law is very fair and our member attorneys can still get you out of debt, stop creditor harassment and allow you to maintain possession of your assets. Under the new law your rights will be severely restricted. It is very important that you do not wait to be able to take advantage of your rights before this new law is actually in effect. Consulting with our member attorneys who have over 20 years experience is the best step you can take to ensure that you protect yourself and your financial future. When choosing your bankruptcy attorney, it is very important that you choose someone who has dedicated their practice exclusively to bankruptcy. Most of our member attorneys limit their practice only to bankruptcy law and have wisely advised and served thousands of consumer debtors when they are facing this very trying time in their life and have successfully discharged MILLIONS of dollars in consumer debt.

End Creditor Harassment

If you are being harassed by creditors by calling you while on your job, calling your family, friends and neighbors, or calling at all hours, our member attorneys can put an end to it immediately. When you hire one of our member attorneys, they will provide you with a special telephone number so that you can refer your creditor calls to them. After you have received this special “Creditor Hotline” number they will take your creditor calls.

Wipe Out Repossession Debts

After a vehicle finance company or mortgage company repossesses or forecloses on your property, they sell the property at auction to help offset their loss. Although you have lost your property and it has been sold by the creditor, you are still responsible for the balance on those loans. You can be sued for these balances and your creditors can obtain a Judgment against you. Our member attorneys can eliminate any debt you may still owe on these types of debts and eliminate the risk of lawsuits or garnishments by filing a Chapter 7 bankruptcy.

Avoid Wage Garnishments and Lawsuits for Auto Accidents

In many cases, creditors can garnish your wages for unpaid debts. This is a very dangerous situation in which to find yourself. Your hard-earned income can be greatly diminished by these garnishments….even to the extent that you can no longer afford the basic necessities you and your family are entitled to. Chapter 7 bankruptcy is one of the most effective ways to immediately stop garnishments. By filing a Chapter 7 bankruptcy you can protect the income that is necessary to protect your family’s future.

Overcome Driver’s License Suspension

In many states your failure to have liability insurance coverage at the time of an auto accident will mean that your driver’s license is suspended, not to mention the debt that you are liable for because of the damage to the other driver’s vehicle. Our member attorneys can help you get your license reinstated, if it is suspended due to an uninsured car accident. Chapter 7 will get rid of the debt you may owe as a result of the accident and prevent you from being sued. Our member attorneys can also stop lawsuits related to those car accidents. A bankruptcy will stop a lawsuit immediately and prevent your creditors from placing a lien on your home or garnishing your hard-earned wages.

If I File Bankruptcy, Is My Credit Ruined?

One concern that our member attorneys hear from most everyone who is considering bankruptcy is that their credit will be ruined after filing bankruptcy and it will remain that way for 10 years. What our member attorneys have found is that the stigma against debtors who have filed bankruptcy has greatly diminished over the last 20 years. All indications are that debtors who have filed bankruptcy have more ability to re-establish their credit than they had before their filing. Bankruptcy can remain on your credit report for up to 10 years, but you can start reestablishing your credit immediately.

When creditors are determining whether or not to lend you money, they not only look at your credit score, but they also examine your debt to income ratio; how much outstanding debt you have compared to your income. In most cases, once they see that you have filed bankruptcy and you no longer are strapped with a huge mountain of debt, they realize that you are a better risk than you would have been before your debt was wiped out in bankruptcy. They also know that their risk is diminished because you will not be allowed to file another bankruptcy for at least another 6 years.

It is not unusual for us to see our clients get financed to purchase a vehicle immediately after receiving their discharge in bankruptcy. You should be able to finance a home within two years after receiving a bankruptcy discharge, as long as you can provide a minimum down payment and show the ability to make the monthly mortgage payment. In some cases, it is not unusual to find a lender that will finance a home mortgage or auto loan the day after a discharge has been received. Credit card solicitations will usually begin within months of receiving a bankruptcy discharge. Our member attorneys can provide you with the information you need to get your life back on track and move forward into a healthy financial future.

Please be cautious of stories you may be told by friends or relatives who, although well-meaning, are not educated about bankruptcy and its many advantages. Please allow our experienced member attorneys to give you the legal advice you deserve to protect you and your family.

Don’t Lose Your House, Car and Personal Belongings

There is no need to worry that you will be in danger of losing your home or automobiles when filing Chapter 7. In “reaffirming” your debts to these lenders, you simply continue to stay current with your payments in order to maintain possession of your house and cars. Mortgage lenders and automobile finance companies are usually more than happy to keep accepting your current monthly payments both before and after a Chapter 7 bankruptcy. Because repossession and foreclosure are very costly to creditors, they would rather avoid it as long as they continue to be paid their monthly payments. In “reaffirming” these debts, the creditors know that your intentions are to continue to pay them, allowing them to feel more secure that you will do so because you have no other outstanding debt and you cannot file bankruptcy for at least another six years. Our member attorneys will make all of the arrangements for you to reaffirm your debts on your home, car or other household goods that you are financing.

Changes in the Bankruptcy Law

Pressured by the multimillion dollar lobbying effort of credit card companies, Congress has passed a new bankruptcy law that severely limits your ability to eliminate debt. The credit card companies have hired some of the most prestigious lobbying firms in the country to pressure our legislators in Washington. This law change will go into effect in October, 2005. The law affects your ability to get relief under both Chapter 7 and Chapter 13.

Under the new law you may not be able to qualify to file Chapter 7 or Chapter 13, making your decision to file bankruptcy before October, 2005 extremely important. Please click on our “free evaluation form” to determine if you qualify before the new law goes into effect. Do not delay. Your rights may be severely restricted in the near future.

Easy Payment Plans and Reasonable Fees

Our attorneys provide the utmost in quality representation for reasonable and fair fees, along with several payment options. We provide payments plans for as low as $20 per month so that you can obtain the immediate relief you need. We understand that if you had money lying around, you probably wouldn’t need to file bankruptcy, so we have designed easy payment plans that you can easily afford.

Our member attorney law firms are debt relief agencies. They help people file for bankruptcy relief under the Bankruptcy Code.