Filing for bankruptcy is an extremely in-depth and complicated process. While there are too many variables to discuss here, there are a few basic things you should know. When contemplating whether to file for bankruptcy, our bankruptcy lawyers will advise you on such things as the best time to file, whether you qualify for Chapter 7 or Chapter 13 bankruptcy, what assets will be safe and more. Our bankruptcy lawyers and specialists are here to make sure that all your requirements are fulfilled so that your bankruptcy filing will go as smoothly as possible.
When debt is the problem – we have the answers. Practicing law since 1993, FCA national service.org and members of his staff have helped of thousands of people with their mortgages, debts, business problems, and other financial issues. When you choose our law firm to help you deal with your debt, our debt relief representatives will evaluate your current financial situation. They’ll work within your budget to help create an individualized plan for your needs. We will then help implement the strategies, and the result will be you – debt free and stress-free – the way life should be!
Bankruptcy Attorneys for Debt ReliefIf you have been searching for a bankruptcy attorney in New York, FCA national service.org has a team of experienced bankruptcy lawyers, debt lawyers and finance professionals that can also help. We not only charge lower fees than the competition but can spread our fees out for you over time and will start to work on your case for as little as $100 down! Put an end to those harassing collection calls and get the piece of mind one a debt attorney can help you achieve. Eliminate your debt and get a fresh start. If you need a debt lawyer in New York to file a bankruptcy for you do not hesitate to call us.
A Bankruptcy Attorney Will Explain the Difference in the Types of BankruptcyWhile there are many types of bankruptcy associated with consumer debt and business debt relief, the three most common types that a bankruptcy attorney from FCA national service.org may deal with on a day to day basis are as follows:
Your creditors and collectors will know of our representation upon receiving a copy of your limiter power of attorney form and it enables us to take over all collection phone calls on your behalf before your petition is even filed!! This way you’ll spend less time listening to your phone ring and dealing with or hiding from collectors and can get back living your life! Being stress free is just as important as being debt free! If any 3rd party debt collector continues to contact you after receiving our power of attorney notification they are in violation of federal law and we can sue them for you and win you money which can help pay for your bankruptcy. Once your bankruptcy is filed, creditors are required to cease collection attempts so they cannot try to collect on your debts unless they go through the bankruptcy court system.
Each on staff trained bankruptcy attorney as well as our certified debt relief lawyers and paralegals are trained to ask the right questions to learn about your specific situation. Based on your current income and status of your assets and other particulars of your finances, we will determine which course of action will work best for you. We do not only offer one path, as no one single process that can solve everyone’s needs. Our bankruptcy lawyers will take our time with you to make sure you understand the particulars of your case so that together we can decide the safest course of action for your specific situation.
Since we only offer services for those struggling financially, our clients don’t have money to spare. Unlike a general practitioner that practices in numerous areas of law, we charge low fees, making our services affordable for anyone that needs help. Being that we are Debt Lawyers and only deal with clients in debt, if we charged fees like most other attorneys we wouldn’t have any clients that could afford us! We are one of the few firms that can establish a payment plan for our clients to pay our fees over time making our services affordable to those in need. We will start working on your case for as little as $100 down and will send a limited power of attorney forms to all your creditors and collectors notifying them not to contact you!
Bankruptcy is an excellent option for you if you’re overwhelmed by your debt – whether on time, slightly behind, way behind, being sued, or having major mortgage problems including foreclosure. Even certain tax debts can be included in a bankruptcy filing. Though it is the least expensive debt relief option, there are long-term costs associated with a bankruptcy, so we only recommend it as a last resort to eliminate most or all of your debts.
A lien will not be removed from when the underlying obligation is discharged. No new liens can be filed as a result of debt discharged through bankruptcy so you won’t have to worry about new liens, bank freezes, or wage garnishments from the obligations that qualify for discharge. This is the same with any type of lien whether tax-related or a judgment creditor lien. Filing bankruptcy will relieve you of your responsibility to pay the debt; however, any liens entered prior to filing will remain. If your assets are exempt as per your state or federal guidelines, a lien can be removed by filing a motion to avoid the lien (separately from your bankruptcy filing). Judgment creditor lien avoidance will work in Chapter 7 or Chapter 13 Bankruptcy, but tax liens are only avoidable through Chapter 13. When filing Bankruptcy, the amount of the lien you can avoid is the amount above, and beyond the equity exemption of the asset in question, the amount within the exemption will have to be paid.
No matter the option you choose, our law firm has the Consumer Debt Relief options to help pay off your debt in a much timelier manner and will help with budget counseling to ensure when we get you out of debt, that you stay out of debt!
Also known as liquidation bankruptcy, a Chapter 7 Bankruptcy will eliminate your debt with either a very minimal payment on your part or no payment at all. If you qualify, this is the fastest and cheapest way to get rid of your debts. Your case will be filed then discharged within 90 days – leaving you debt free and stress free. A bankruptcy attorney will help determine if your assets will are safe or if a different option may be better for your scenario.
Chapter 13 Bankruptcy doesn’t eliminate your debts within 90 days like a Chapter 7 would, but instead establishes a payment plan for you to repay your creditors or collectors over a period of either 36 or 60 months. You will end up paying back either a percentage of your debts or your debts in their entirety. Typically, secured debts are paid back first, then as much of your unsecured debts are paid back as possible. We offer free consultations so call today!
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