Bankruptcy can help you get back on your feet and give you a fresh start.
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bankruptcy
bankruptcy law
The current economy has impacted everyone, and millions of people are struggling with financial problems they never anticipated. Bankruptcy is a way for individuals and business who are overwhelmed by debt to discharge their debts or reorganize their debts and start fresh. Bankruptcy is governed by the federal law found in Title 11 of the United States Code.
Bankruptcy is designed to help people like you who are struggling with the following:
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What You Need To Know About Bankruptcy
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WHAT TO BRING WITH YOU
ON YOUR INITIAL VISIT
A list of your current bills or the
bills themselves.
How much you make every
paycheck (before taxes and after
taxes) or bring your paystubs.
If you are facing foreclosure or
reposession, be sure to bring the
letters and contact information.
We are a debt relief agency. We
help people file for relief under the
bankruptcy code.
(c) 2008 Landolt & Associates. All rights reserved.
Medical Bills Credit Card Debt Home Foreclosure Car Repossession Lawsuits and Garnishments Unemployment and loss of income Student Loans Divorce Creditor Harassment Problems with the IRS
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There are two types of consumer bankruptcy that can help you get back on
your feet: Chapter 7 Bankruptcy and Chapter 13 Bankruptcy.
Chapter 7 Bankruptcy
If you qualify for Chapter 7 Bankruptcy, you will be able to wipe out (liquidate)
all of your unsecured debt such as credit cards, medical bills, pay day loans,
personal loans, and more. Eligibility for Chapter 7 is based on a government
formula called the "Means Test" that compares your income and expenses to
the IRS Standards.
Please call us at 817-291-3999 or email us now for more information and for a
free evaluation to see if you qualify for Chapter 7.
Chapter 13 Bankruptcy
Almost everyone can qualify for Chapter 13 Bankruptcy to reorganize your
debts and make them more manageable. Chapter 13 was designed by
Congress to stop foreclosures and repossessions and help you get caught up
on your mortgage and car payments by putting them into a payment plan over
the course of three years or five years. Depending on your income and
expenses, you may be able to eliminate all or part of your unsecured debt,
including credit cards, medical bills, pay day loans, personal loans, and more.
Any remaining debt can also be put into the monthly plans and made more
manageable by allowing you to pay it off as part of the three or five year plan.
You can also put back child support and IRS Tax debt into the payment plan.
Please call us at 817-291-3999 or email us now for more information and for a
free evaluation to see how you qualify for Chapter 13.
Options If You Own Your Own Business
If you own your own business and are struggling with debt, be sure to contact
us about your options under a Chapter 7 Bankruptcy where you can liquidate
your debt (and close the business) or a Chapter 13 or Chapter 11 Bankruptcy
that can reorganize your debt to make it more manageable while you continue
to operate the business.
Please call us at 817-291-3999 or email us now for more information and for a
free evaluation.
About Working With Us
Lisa Landolt and Associates understand what you are going through, and we
try to put ourselves in your shoes. Whether over the phone or during your
consultation, our attorneys will review your circumstances with you, answer all
of your questions, and present options that will work for you.
The Fees for Filing Bankruptcy
The Chapter 7 filing fee is $299, and the Chapter 13 filing fee is $274.
There is a requirement to complete a Credit Counseling and a Financial
Management course for Chapter 7 or Chapter 13, and the fees for each of
the two courses can range from $30-$50. Regarding attorney fees, we
understand you are experiencing financial problems or you wouldn't be
considering Bankruptcy. You will find we will work with any budget. It is also
possible to put the majority of the attorney fees into the payment plan when
you file a Chapter 13 Bankruptcy.
Please call 817-291-3999 or email us now to discuss your situation or if you
have questions.
Is Bankruptcy Right For You?
CLICK HERE FOR A FREE ONLINE EVALUATION
817-291-3999
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