BANKRUPTCY
Do these technical legal terms sound confusing?
Call any of our offices and we will explain them to you
in plain English:

• Secured Debt
  
• Unsecured debt
  
• Reaffirmation Agreement
  
• Exemptions
  
• Automatic Stay
  
• Chapter 7, Straight bankruptcy
  
• Chapter 13
  
• Reorganization (The Wage Earner Plan)

WHAT CAN CREDITORS DO IF I CANNOT PAY
MY BILLS?

• Creditors can, and will, continually harass you and your family both at home and work.
  
• Creditors can sue both your family and you, and receive a judgment lien against you forcing the sale and/or repossession of your property.
  
• Creditors can garnish up to 25% of your wages from each paycheck.
  
• Creditors can freeze your bank account.
  
• Creditors can force the sale of your home.

WHAT WILL BANKRUPTCY DO FOR ME?

• Stop the harassment by collection agencies.
  
• Wipe out most credit card bills (unsecured debt), loans, medical bills and civil lawsuits.
  
• Stop collection efforts by most creditors immediately.
  
• Stop a wage garnishment.
  
• Stop, a foreclosure sale of your home temporarily.
  
• Protect your personal property immediately.
  

WHAT WILL  ATTORNEY AID  DO FOR ME?

• Complete and file the entire bankruptcy package (over 32 pages).
  
• Protect your wages.
  
• Temporarily halt a repossession.
  
• Take calls from your creditors so they leave you in peace.
  
• Our attorneys will represent you in court.
  
• Protect your personal property, car and belongings.