| Do you feel worried, trapped, scared, or
embarrassed with nowhere to turn because of your
financial situation ? Filing for Bankruptcy is a
solution. The United States Congress created the
bankruptcy system to help people in time of need. That
time of need often arises when someone has lost their
job, has a serious medical problem, or is going
through a divorce. All too often the factors leading
to financial difficulties are beyond the control of
those suffering the dilemma.
The big questions most people
have. What is Bankruptcy? Can I file Bankruptcy?
What will Bankruptcy protection do for me? Can
someone tell me about Bankruptcy? What is a
Bankruptcy discharge? What is the
automatic stay? Can Bankruptcy really help me? What
kind of Bankruptcy should I file? This website
assists you by giving you information you are looking
for. If you are asking yourself these kinds of
questions, then you are probably experiencing some
of the following situations.
credit card payments are behind and the credit card
companies will not stop calling and asking for "money
payments are behind and you are being threatened
with foreclosure or are being foreclosed on
Your vehicle has
been repossessed or is about to be repossessed.
Your wages are or
are about to be attached or garnished.
Tax debts continue
to grow at a rapid pace with penalties and interest
that keep getting added to the bill making the balance
higher and higher.
You are being sued,
and you never had lawsuits in court before.
You really regret
that second mortgage or home equity loan that is
now difficult if not impossible to pay.
license has been suspended or revoked because
money you owe.
the phone calls can be unrelenting-to the point
that you lose sleep or become ill.
How Can Bankruptcy really Help Me and Protect Me?
Claiming Bankruptcy stops the constant
harassing phone calls, alleviate the stress,
anxiety, and emotional trauma you feel, can
eliminate your debts, stop lawsuits in their tracks,
stop wage attachments and wage garnishments, stop
foreclosure, eliminate or reduce mortgages,
eliminate or reduce liens, and improve your credit
too The moment you file bankruptcy, the "automatic
stay" springs into existence. The automatic stay is
a federal court order that arises by operation of
law. The automatic stay is the preliminary
protection that you receive by filing bankruptcy and
lasts during the entire course of your bankruptcy,
(as long as you play by the rules). Your wages,
vehicle, home, tax refund, bank account cannot
be taken by the people you owe money. The people
you owe money to our call creditors. Your
creditors are not allowed to bill you or collect
money from you for debts you owe when you file a
petition in the Bankruptcy Court. Bankruptcy
is a chance to obtain a Fresh Start ! A start with a Clean
You can start over. When your bankruptcy is
completed, you receive a "Discharge "Order". The
discharge order is another federal court order which
is issued at the end of your case. The
discharge order is what permanently eliminates your
debts. The automatic stay is the temporary
order that protection during your bankruptcy and the
discharge order protection you when your bankruptcy
has and. So even though your bankruptcy is
over you still have protection.
Others have faced your plight before -
Donald Trump, Burt Reynolds, Willie Nelson and
approximately 1,500,000 other people every year. You
would be surprised at the people that have filed for
bankruptcy. We understand your fear, anxiety,
embarrassment, and stress, because everyone in your
situation feels that way -you are not alone !!!.
But what is Bankruptcy?
Bankruptcy Code is a Federal statute
which establishes a separate Federal Court system to
administer and adjudicate Bankruptcy cases. This
Bankruptcy Law permits both individuals as well as
businesses to eliminate their debts and or
reorganize their debts in order to get a "fresh
start" in life. Our Country has had a bankruptcy law
in since the early 1800's. A law that President
Lincoln had to use; Yes, Abraham Lincoln had to file
Bankruptcy under this early statute. However, the
Bankruptcy Statute is not as harsh as it was in
At the end of 1978 the United States Congress
passed a new Bankruptcy law which allows most people
to keep most if not all of their property and still
eliminate their debts. When Debts are eliminated,
they are said to be Discharged. You may have heard
advertisements saying all bankruptcy applicants must
be discharged. At the end of a Bankruptcy case you
receive a Discharge Order which means your debts are
eliminated, so you can start life over with a clean
Debts which can be discharged (eliminated)
are credit cards, store charges, utility bills,
medical bills, personal loans, and even some federal
and state income taxes. If your car was repossessed
and sold then, any remaining balance can be
eliminated. If your home was foreclosed on and
sold at sheriff sale or tax sale, then any balance
remaining that you owed can be eliminated. If you have
lost your driver's license because of failure to pay
a judgment or insurance surcharge, you can get your
license back by filing bankruptcy. People
contemplating bankruptcy always have questions about
the effect a bankruptcy will have on their lives and
property. The following pages attempt to answer some
of those commonly asked questions.
What Bankruptcy Chapter Is Right for Me ?
It is not always easy to determine which Chapter
Bankruptcy you are eligible for. If you even
have a choice (and you don't always a choice), then
determining which Chapter of Bankruptcy to file can be
complex. The links below, to other pages on this
website, will give you some guidance as to which
chapter(s) of bankruptcy you are qualified to file.
You may have one or two or even three choices, and you
may have no choices at all. There are special rules if
your stockbroker commodities broker, insurance company, bank
or railroad, but we will not deal with those
entities on this website. This website is
directed at individuals, consumers and small-business.
Can someone tell me more about Bankruptcy?
Yes, a Bankruptcy Lawyer. Can a Bankruptcy
Lawyer really help me ? Yes ! A Bankruptcy Attorney
is almost a necessity to advise you and guide you
through the complicated and tedious process of
claiming bankruptcy. The process of filing Bankruptcy
is controlled by the
Bankruptcy Rules . If you believe you may need to
file for Bankruptcy and need additional information,
then please read on - click on the links below.
If you require additional information or need
assistance in evaluating your financial situation or
want to speak to an attorney, then you can call for
an appointment at (610)-258-5859 so
questions and concerns specific to your case can be