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You’ve reached this website because you feel like you are drowning in debt. You are considering various solutions:
Debt consolidation, refinancing your home, credit counseling, debt negotiation and bankruptcy.
Before practicing bankruptcy law, I worked as a loan and credit counselor and helped people prepare to get their first
home loan. I am familiar with your concerns about your credit and your ability to pay your debts. I work with
you one on one. I give you the personal attention you need and deserve. If you call me, I will call you back in 24 hours.
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Bankruptcy may or may not be the right solution to your financial troubles. However,
if your not sure of the benefits and drawbacks of bankruptcy versus other alternatives such as debt consolidation, credit
counseling and debt negotiation, call me for a free consultation. Click here for video on bankruptcy.
Many of you are concerned that they will not qualify for bankruptcy because of the changes in the new law. Chapter
7 is still available to most persons who need it. New income qualifications may affect your case. You should consult
an attorney to see how the new law affects your bankruptcy case. Click Here for More Information on the Bankruptcy Reform
Act.
This may be considered an advertisement or Advertising
Material under the Rules of Professional Conduct. This web site is designed for general information only. The information
presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.
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Chapter 7 bankruptcy is for persons who want to wipe out unsecured debts and who want a fresh start. Chapter 7 was
enacted to allow persons who are hopelessly burdened by debt to start fresh. When you file a chapter 7, in most cases
you are able to keep most of your property because it is "exempt." In some cases property is not exempt. You should
consult with an attorney to discuss what property is or is not exempt. If you want to keep a car or home that is financed
you must keep current on those payments. Although most of your debts will be discharged, some will not. The following
debts may not be discharged: child support, alimony, fines, some taxes, most student loans, debts not listed on your
bankruptcy petition, loans you got by knowlingly giving false information to a creditor, debts resulting from "willful and
malicious" harm, loans secured by real or personal property (unless the creditor repossess, forecloses and resells the property).
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A Chapter 13 Bankruptcy is designed for persons who want to and can afford to pay some or all of their debt. Most
Chapter 13 plans last 3-5 years. When you file a Chapter 13, interest and collection fees on most of your unsecured
debts stop accumulating. If you have not paid the unsecured debts by the time your plan is finished, in most cases the
remaining balances are discharged.
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