Steven R. Striffler
Attorney At Law
617-290-1573
Steven R. Striffler, Esq.
ph: 617-290-1573
fax: 866-314-2716
steve
BANKRUPTCY
Free Initial Phone Consultation
Payment Plans Available
617-290-1573
Personal Attention For Personal Bankruptcy
I personally handle your case. Your file will not be passed-off onto a paralegal or a legal assistant. Are you a candidate for bankruptcy? Please try to avoid these mistakes prior to filing bankruptcy. If you would like to schedule a bankruptcy evaluation click here. I am a member of the National Association of Consumer Bankruptcy Attorneys.
Debt Management Plans: Five Inside Truths about Debt Management Plans (DMP) you Need to Know click here.
Bankruptcy Law
The United States Bankruptcy Law is designed to give people the benefit of a fresh start by discharging most debts. Filing for bankruptcy; however, is not the only solution to your financial troubles - there are alternatives.
People encounter financial difficulties for many reasons, not always of their own making, from an unexpected illness to a sudden job loss, divorce or gambling, student loans. Whatever the reason, many people feel overwhelmed, helpless, and alone.
Ruthless bill collectors and the threat of foreclosure can make a tough situation even tougher. Although not the only solution to your financial difficulties, filing for bankruptcy does allow you to get a fresh start.
Chapter 7 - Consumer Bankruptcy
A chapter 7 bankruptcy is the form of bankruptcy that most consumers file. Its purpose is to eliminate overwhelming debt, which may include credit card debt, bank loans, medical bills, most court judgments, and deficiencies on repossessed vehicles. The debts that are not eliminated in a chapter 7 bankruptcy include certain taxes, child support and alimony or spousal maintenance, student loans, any debts obtained through fraud (if your creditor raises an objection).Chapter 13 - Personal Finanacial Reorganization
A Chapter 13 bankruptcy is a type of personal financial reorganization used by individuals to pay all or a portion of their debts over a period of 3-5 years using their current income.
If you are behind on your mortgage you can pay the arreage back over 5-years.
You may be able to eliminate "strip off" your 2nd and/or 3rd mortgages. Also, you may be able to "cram down" the balance of your auto loan to the value of the vehicle.
Also, you may be able to eliminate tax debts, or at the very least, stop interest and penalties and take up to 5-years to pay your overdue taxes.
Student loans; generally student loans are not dischargeable. However, you can stop the collection process and late fees.
The most important thing about a chapter 13 case is that it will allow you to keep valuable property - especially your home and car - which might otherwise be lost, if you can make the payments which the bankruptcy law requires to be made to your creditors. In most cases, these payments will be at least as much as your regular monthly payments on your mortgage or car loan. Upon successful completion of the plan the debtor receives a discharge similar to that received in Chapter 7.
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ATTENTIONYOU MAY HAVE THE RIGHT TO RECOVER MONEY FROM COLLECTION AGENCIES WHO HAVE CONTACTED YOU CONCERNING YOUR DEBTS
Some debt collectors routinely violate the provisions of the Fair Debt Collections Practices Act (FDCPA). This is a Federal Law which gives you certain rights and prohibits certain methods of attempting to collect debts.
If the Act has been violated, you may have the right to recover money damages.
We would be happy to evaluate whether you have a case against a collection agency. Please bring ALL LETTERS OR COMMUNICATIONS which you have received from collection agencies with you when you come for your appointment.
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"When the financial stress becomes overwhelming, bankruptcy is a clear path towards your economic revival."
Evening and weekend appointments are available to fit your schedule
- Eliminate 2nd & 3rd Mortgages
- Stop Lawsuits
- Stop Collection Calls
- Eliminate Tax Debts
- Stop Wage Garnishment
- Stop Foreclosure
- Modify Auto Loans
- Stop Repossessions
- Stop Utility Shut-offs
- Client Questionnaire
Pursuant to 11 U.S.C. §528(a)(4) we are required to state the following: We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Steven R. Striffler, Esq.
ph: 617-290-1573
fax: 866-314-2716
steve
