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Bankruptcy is a legal process to assist individuals and businesses with debt problems. Qualifying debtors can either eliminate certain types of debt or repay their debt under the court approved repayment plans.
The ultimate goal in filing bankruptcy getting a fresh start, whether that’s achieved more quickly through a discharge in a Chapter 7, or through a repayment plan in Chapter 13, 11 or other chapters.
The discharge effectively releases the debtor from personal liability for certain types of debts, meaning, he or she is no longer legally required to pay any debts that are discharged. It further stops creditors from taking any collection efforts against those debts. No more creditor calls, letters, and lawsuits.
Although the debtor is no longer personally liable for any discharged debts, all valid liens from will remain unless they were proven unenforceable. Thus the secured creditor, e.g. home or car lenders, can enforce the lien and recover the property by the secured lien. They may recover the property however they cannot recover any deficiency against the debtor.
As our client, you can expect:
- Free consultations
- Multilingual staff: We offer services in English, Spanish, and Greek
- A firm that prioritizes quality over quantity
- A professional and caring client-attorney relationship
If you’re ready to take the first step towards a life free of debt, you should not hesitate to put us on your side. Because we’re a smaller sized firm, you can trust that you won’t get the run-around you’d receive when dealing with a large corporate law office. In fact, when you call us, you’ll always speak with an attorney.