Don't Let Debt Defeat You: Bankruptcy Can Provide a Fresh Start
A Bankruptcy Lawyer Who Will Give YOU Personal Attention For Your Bankruptcy
A bankruptcy attorney who will 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 Knowclick here.
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 start over again.
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, tax debts, medical bills, most court judgments, and deficiencies on repossessed vehicles. The debts that are not eliminated in a chapter 7 bankruptcy include, child support and alimony or spousal maintenance, student loans, any debts obtained through fraud (if your creditor raises an objection).
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 a period of up to 5-years.
You may be able to eliminate or "strip off" your 2nd and/or 3rd mortgages.
If your vehicle was repossessed and has not been sold yet, you may be entitled to get your car back. Once you file for Chapter 13 your lender must return the vehicle to you - immediately!
You may also be able to reduce the interest rate and/or "cram down" the balance of your auto loan to the value of the vehicle and take up to 5-years to pay off the new balance regardless of how much you owe on the balance of the loan. Click HERE for more info.
You may be able to eliminate tax debts and tax liens filed against your property, 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.
Upon successful completion of your Chapter 13 plan payments you will receive a discharge similar to that received by a debtor in a Chapter 7 case.
firstname.lastname@example.org By Steven Striffler
YOU MAY HAVE THE RIGHT TO RECOVER MONEY FROM YOUR CREDITORS OR COLLECTION AGENCIES WHO HAVE HARRASED YOU CONCERNING YOUR DEBTS
Some debt collectors routinely violate the provisions of the Fair Debt Collections Practices Act (FDCPA) and/or Massachusett 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.
"Highly recommended! Steve is extremely knowledgeable! He kept me informed. Everything was done promptly and professionally! "
Chapter 7 Client, Abington
Evening and weekend appointments
I serve clients throughout Massachusetts including Abington, Avon, Boston, Braintree, Brockton, Bridgewater, Canton, Cohasset, Dedham, Dorchester, Dover, Easton, Kingston, Hanover, Hingham, Holbrook, Hyde Park, Marshfield, Medfield, Milton, Pembroke, Norwell, Norwood, Plymouth, Quincy, Randolph, Rockland, Scituate, Sharon, Stoughton, Taunton, Walpole, Westwood, Weymouth, Whitman, Norfolk County, Plymouth County, Bristol County, Suffolk County.
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.
Copyright 2013, Steven R. Striffler, Esq. All Rights reserved.
Material presented on this website is intended for information purposes only. It is not intended as professional advice and should not be construed as such.
This Law Firm is a federally designated debt relief agency. We help people file for bankruptcy protection.