We can help you clear up the confusion.
This 5-step process has been designed to help guide you to financial freedom:
Are you in need of financial rescue? It can be empowering to know your rights. We explain and protect your rights while we work with the bank and credit card companies to negotiate a debt settlement that fits your ability to pay. Most of our clients pay back 55-60 cents per dollar of debt to fully satisfy their creditors – and that amount includes attorney fees and costs.
It’s this simple
to set an appointment for a free confidential consultation.
Prepare for your appointment.
Gather 60 days of bank statements and pay stubs, a copy of your bills, and your last year’s tax return.
Formulate a plan.
Our professionals will lead you through the process of filing for bankruptcy from start to finish. We will evaluate your income and expenses to create a plan that will work for you.
File with Bankruptcy Court.
Once you have filed with bankruptcy court, an “automatic stay” immediately takes effect. This will stop creditors from making direct contact with you and will stop, foreclosure proceedings, repossessions, garnishments, and/or tax levies from the day of the filing forward.
Approximately one month after filing, you will meet with your trustee. At this meeting, creditors can attend, but most creditors do not. Should a creditor have an objection, most are resolved through negotiations.