BANKRUPTCY
Bankruptcy is about starting over when you are buried with consumer debt or credit card debt. It is about stopping all the telephone calls from creditors and gaining some peace of mind. It is about stopping the threat of lawsuits and other collection activities, and gaining control over your situation.
Laskoff & Associates represents individuals and married couples under Chapter 7 and 13 of the United States Bankruptcy Code. If you meet the legal requirements, you can use the bankruptcy process to stop creditor harassment, home foreclosures, auto repossessions and legal proceedings. Even a court ordered judgment can usually be discharged. Under Chapter 7 bankruptcy, you can obtain a discharge of most, if not all, of your unsecured debt, keep most, if not all, of your property, and get a fresh start. Under Chapter 13, you can consolidate your debt into a single monthly payment. Most people who file bankruptcy get to keep their home and their car if they want to do so.
Sometimes bankruptcy may not be the best solution for you, so we will start by exploring and defining your options, and discuss with you other alternatives and strategies.
Since there are various legal restrictions on what someone can do before they file for Chapter 7 bankruptcy, if you are indeed thinking of bankruptcy, we strongly suggest you consult an attorney before taking major financial actions such as refinancing and consolidating your debt, spending large amounts of money, or transferring property that could otherwise be used to repay your debts.
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