Bankruptcy & Other Debt Relief

Bankruptcy
Debt Collection Defense
Protection Against Abuse and Harassment

During the recent economic downturn, millions of responsible, hardworking American families are being thrust deeper and deeper into financial holes. Have you discovered that no matter how hard you try digging yourself out, the hole only gets deeper?

Are forceful creditors besieging your phones, mailboxes, and doorsteps demanding payment? These same creditors would rather force you into foreclosure and permanently destroy your credit than negotiate with you. There’s a better way.

I can assist you in discharging your debts, effectively pressing the restart button on your financial future.

Bankruptcy- Chapter 7 & Chapter 13 Filings

Seeking bankruptcy is not a shameful act and it may be your best option in rebuilding your credit and getting your financial future back on track.

There are two type of debts that people incur: secured and unsecured debts. Nearly all unsecured debts can be discharged utilizing Chapter 7 or Chapter 13 bankruptcy. Unsecured debts are those debts that are not directly tied to personal property (ie: credit card debt). These debts cannot be repaid through the sale of property and therefore can usually be discharged via bankruptcy.

On the other hand, not all secured debts can be discharged utilizing bankruptcy. Secured debts are those debts directly tied to property (ie: mortgages or car loans). Although many of your assets that are tied to secured loans may still be protected under Chapter 7 protection (home and at least one vehicle), it may be safer to file for Chapter 13 protection. However, unlike Chapter 7 protection, Chapter 13 bankruptcy requires a repayment plan likely lasting anywhere from three to five years.

Don’t delay another day in getting your financial future back on track.Please give us the opportunity to assist you by making use of this website’s Appointment tab for a confidential consultation. Or, give our office a call at (253) 517-8767 or email us at Info

Debt Collection Defense

Have you recently been handed a collections lawsuit or believe you are about to be sued for the collection of a debt? Ignoring an impending lawsuit can lead to court-ordered judgments resulting in the garnishment of wages and imposition of liens on assets. Even if you believe that you owe the debt to be collected, various defenses may be available that will permit you to avoid paying some, if not all of the alleged debt.

Many collections lawsuits can be defeated. The collection agency seeking to collect the debt is typically not the original holder of the debt. This is important because the collection agency typically does not possess the original documents (credit applications, billing statements, etcetera) establishing that a debt is owed. Additionally, debt collection agencies typically have a difficult time providing appropriate documentation establishing that they are the true holder of the debt.

But, many Americans simply ignore these lawsuits. Consequently, thousands of default judgments are rendered each month (judgments resulting from the defendant’s inability to contest the allegations levied in the collection suit). This makes for easy money; debt collection agencies can then proceed to garnish wages and seize assets.

Don’t let these debt collectors steal your life’s savings and the savings of your children. Please give us the opportunity to assist you by making use of this website’s Appointment tab for a confidential consultation. Or, give our office a call at (253) 517-8767 or email us at Info

Protection Against Abuse and Harassment

Did you know that there are specific laws protecting you from debt collectors? You no longer have to put up with the relentless telephone calls during early morning and late night hours. You no longer have to put up with the debt collections calls at work or the harassing calls to family and friends.

The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits certain conduct by debt collectors. It protects you from many of the abusive behaviors that debt collectors like to employ.

I handle all FDCPA cases on a contingency fee basis, which means you don’t have to pay anything in legal fees unless the case is rendered in your favor.

If you think a debt collector has violated the law, please give us the opportunity to assist you by making use of this website’s Appointment tab for a confidential consultation. Or, give our office a call at (253) 517-8767 or email us at Info