This Chapter should be a last resort when all else has failed. It is like a free major liability policy for most Americans. It was provided for in Article 1, Section 8, Clause 4 of the United States Constitution. Once used you must wait over 8 years before you can use it again. It gives you a fresh start. However, you can accomplish many of the same results with a Chapter 13 and often time more with only a wait of just over 2 years before you can effectively use it again.
We can stop their harassing and threatening phone calls and reduce your interest rate from over 400% to 0% so you will be able to pay off the debt and get out of the financial quicksand in which you are trapped.
Many Title Pawns have interest of 300% per year which can be paid at a rate of 1% to 3% above prime interest rate.
If you have a regular source of income and need to catch up on your debts such as mortgage arrears or missed car payments then Chapter 13 is the likely answer. Since, the Creditors do not have to agree to a reaffirmation of debt for you to be able to keep your house or car.
We have been very successful in stopping foreclosure of Homes and structuring plans that allow one to keep their Home. In fact, we have even been able to nullify several foreclosures for not following the proscribed statutory or contractual requirements of a foreclosure. Also, our procedures are effective in preventing the repossession of automobiles.
No representation is made that the quality of the legal services to be performed is greater than the quality of the legal services performed by other lawyers.
Wage garnishments can be as much as 25% of your gross pay and often result in you missing payments on necessary items such as rent or mortgage payment or payments on items that may be repossess such as a car. We can stop those wage garnishments.
You must bring the following with you to the free office visit consultation:
(1). Pay Stubs for the last 60 days or at least your last THREE Pay Stubs.
(2). Federal Income Tax Return for the most recent year filed.
(3). $35.00 Credit Counseling Fee.
(4). $281.00 Required Pre-Payment of Court Filing Fee.