"Laura, Thank you for everything you have done for me and my wife and for all your hard work and dedication. We appreciate you so very much. Will always recommend you and your firm" C. and D. Schrader. (Recent clients)
Dear Laura, We wanted to thank you for all you have done for us. You have helped make a stressful process go smoothly and for that we are very grateful. I will be happy to refer clients to you! Once again, thank you for your guidance and professionalism. Best regards" T. and A. Oleary (Recent clients)
"I thank you and appreciate you so very much. It was a pleasure working with you. Thanks! " M. Francis (Recent client)
Chapter 7 Bankruptcy enables an individual to eliminate many common types of debts and get a fresh financial start in life. We can help you stop garnishments, stop foreclosure, stop debt collectors, and stop law suits . We can help you save your house, save your apartment, save your car, freeze foreclosure, and freeze lawsuits.
Those who don’t qualify for Chapter 7 Bankruptcy may have the option of Chapter 13 Bankruptcy.
In Chapter 13 Bankruptcy, an individual is able to pay back part or all of his or her debts with an interest-free payment plan with a duration of 3 to 5 years. Chapter 13 Bankruptcy can also be helpful if you are falling behind in your mortgage payments.
Under both Chapter for consumer bankruptcy, we can remove liens from your property and request loan modifications.
Fees: The filing fee for CH 7 which goes to the Bankruptcy Court is currently $338.00. The filing fee for Ch 13 is currently $313.00. We offer payment plans for our attorney's fees. We offer same day filing. There is also an online class that you need to take, one before filing and one after filing.
Documents: The minimum documents needed to file are:
____Copy of your Driver’s License and Social Security Card
____Proof of income for the last 6 months, including but not limited to:
____Copies of titles and registrations for ALL vehicles in the household, if you have a lien on a vehicle, please provide payoff statement
____Copies of any and all lawsuits, garnishments, or court paperwork
____ Statements for ALL bank accounts for the last 3 months with your name on the account
____ Statements for ALL retirement accounts for the last 3 months (these can include: 401K, IRA, Mutual Funds)
____ MOST current statement for any stocks or bonds
____Copies of last 2 years of Personal Tax Returns (including all schedules, W2/1099) or a No Taxes Affidavit
____ Certificate of Completion of Pre-Filing Credit Counseling Course
____Copies of outstanding medical bills and collection notices
____Mortgage Payoff / Latest Mortgage statement
____Copies of the last 2 years of your Business Tax Returns (including all schedules)
____Copies of court documents for your domestic support obligations.