U.S. Bankruptcy Code delivers protection to people in financial jeopardy who are suffering under mountains of debt. Today, millions of people are exercising this protection. The bankruptcy laws were created by by Congress to provide relief to those who have been victimized by divorce, job loss, identity theft staggering medical bills or disability. Usually, however, a combination of unfortunate events contributes to significant financial woes. Some seemingly manageable credit card debt can become insurmountable when combined with a job loss.Contact my office to schedule a free legal consultation were we can discuss the alternatives and solutions that are available to you.
Filing bankruptcy is not something you should be ashamed of or feel guilty about. The American free enterprise system is generously forgiving of people who have had to relieve themselves from crushing debt through bankruptcy.
The Founding Fathers of our country considered bankruptcy so important that they specifically included it in the United States Constitution. In 1787, when the U.S. Constitution was written, our Founding Fathers directed the Congress of the United States to make uniform bankruptcy laws.
They knew that if America was to flourish and grow, there would have to be laws that would allow people to, when necessary, cancel their debts and get a fresh start rather than spend their lives as slaves to the money lenders.
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The Bankruptcy Law is broken down into several sections or chapters. The most common chapters of the Bankruptcy Law are Chapter 7 and Chapter 13. In most instances you will not lose any of your possessions in a Chapter 7 or Chapter 13 bankruptcy.
We do not recommend bill consolidation loans unless you talk to an attorney first. Why? Because when you take out a bill consolidation loan you are required to pay additional interest and if you have a house, you are ordinarily required to use your house as collateral. This means that an additional lien is placed upon your house, which you may not be able to get released in a later bankruptcy.
Some people seek out credit counseling, but the problem with credit counseling is that a credit counselor cannot give you legal advice. Therefore, your options concerning a Chapter 7 or Chapter 13 bankruptcy cannot be discussed to the same degree that you can discuss them with an attorney. That is why you should always talk to an attorney before you decide to take out a bill consolidation loan or to hire a credit counseling service.
We have a unique system that allows us to file your bankruptcy within one business day. You are assigned an attorney and a case manager to assist you with your case. We use a sophisticated computer network and a computer bankruptcy program that automatically cross-checks your bankruptcy information, and then files your bankruptcy electronically. This insures that when we file your bankruptcy case, the information on the bankruptcy schedules will be accurate and reliable.
We are available to talk with you on the telephone and to meet with you in person to discuss your concerns and answer any questions that you may have. You can be assured that we will take both a personal and confidential approach to your legal needs.
Begin today to change your life for the better and plan for the future. We offer a free consultation either by phone or in person in our office by calling 951-674-0393 or drop us an email at phillipevansattorney@gmail.com. Any information that we receive from you will be kept completely confidential. If you decide during your appointment not to go through with a bankruptcy, there will be no charge for your appointment.
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