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Your Chapter 7 and Chapter 13 Bankruptcy Headquarters

Now that 2013 is in full swing, many Americans are still waiting for economic recovery. Lately, it is becoming very apparent that this economy is now the new normal. The only thing that allows most people to kick the can down the road is the ability to borrow more on their credit cards and personal loans. As the money supply dries up, so does one’s ability to continue to pay their bills. Many of these people are now getting close to or already at the end of their rope and should consider a bankruptcy filing. Are you feeling the pressures of being buried under mountains of debt? Filing bankruptcy might be the best solution for your financial situation. Many Americans today are living with the fear that as their debt continues to increase and the monthly payments never stop, living paycheck to paycheck becomes a scary reality. All it takes is one unexpected circumstance to arise and send your finances into a tailspin.

For many individuals, the decision to file for bankruptcy can be a difficult one. No longer does bankruptcy carry a mark of shame as creditors would like you to believe. Many associate the term bankruptcy with failing or giving up, in fact, the opposite is true. Filing bankruptcy allows you to finally retake control of your finances and get a fresh start by wiping out your past debts. This will give you the second chance your family needs while putting you on the road to becoming debt-free.

If you would like to take the first step towards financial freedom, then fill out our FREE NO OBLIGATION CONSULTATION form on this page to connect with a local bankruptcy attorney to discuss your options.



Learn About The Process With The Help of a Bankruptcy Attorney

If you are in the process of losing your home to foreclosure, and your debt is spiraling out of control, learn how filing for bankruptcy may help you eliminate your debt and stop foreclosure. Getting answers to those complex bankruptcy questions should be a priority when it comes to making choices for your financial future.
Gaining the knowledge about bankruptcy filing from a bankruptcy attorney can help you make an informed decision that will benefit your personal financial situation. The bottom line is there are two major forms of personal bankruptcy, Chapter 7 and Chapter 13. Both can be very powerful legal tools, but need to be implemented accordingly after careful evaluation by a bankruptcy attorney.

Advantages To Filing Bankruptcy

There are many advantages to filing bankruptcy, whether it’s Chapter 7 or Chapter 13. One of the main benefits of a bankruptcy filing is that it provides an order of relief that triggers an automatic stay that all creditors and debt collectors are prohibited from pursuing you or your property outside of the bankruptcy proceeding. The automatic stay is so powerful that it will not only stop creditors from calling relentlessly, it will stop foreclosure, lawsuits and wage garnishments. Once an individual files for bankruptcy, they feel like the weight of the world has been lifted off their shoulders. It’s amazing how filing bankruptcy will relieve stress almost immediately because the creditors can no longer aggressively pursue collection of your debts. Wage garnishments will also stop and the income you receive will be yours to keep. Filing bankruptcy was designed to provide the debtor with a powerful protection that can even stop foreclosure and give the debtor breathing room.
The Automatic Stay in a Bankruptcy Filing Offers Protection From:

  • Wage garnishment
  • Foreclosure
  • Repossession
  • Threatening Phone calls

Ultimate Goal of Filing Bankruptcy Is To Become Debt Free

Back in the day our parents and grandparents prided themselves on living a debt-free lifestyle. Being in debt carried a curse, while being debt free had a badge of honor. When someone wanted to buy something they would put it on lay away until it was paid off and bring it home. Ever since the credit revolution that began in the 1970s, living on plastic has become the norm and hearing of someone being debt free is almost obsolete. While in today’s society it’s next to impossible to live with no debt at all, it is possible to be close to it. Nowadays, credit card debt can be crippling to a family’s budget. Finding a way to eliminate that can quickly put someone on the road to financial freedom. Filing Chapter 7 bankruptcy will eliminate a large amount of unsecured debt quickly and easily. For someone buried under a mountain of credit card debt they should take the time to consult a bankruptcy attorney to see if filing bankruptcy will work for them.