BANKRUPTCY:

Do you feel overwhelmed with your debts?  Are you scared you might loose your house?  Do creditors constantly call your home?  We can help!

Brooks Law Office offers FREE consultations, with an attorney, to discuss bankruptcy and your options.  Please call today to set up an appointment! 

Brooks Law Office, P.C. practices in the area of both Chapter 7 and Chapter 13 bankruptcies.  With our personable staff and accommodating work hours, Brooks Law Office, P.C. can help to make the bankruptcy process both understandable and quick. 

 

CHAPTER 7 BANKRUPTCY:

A Chapter 7 Bankruptcy allows the debtor to discharge certain debts in order to give the debtor a "fresh start." After a Chapter 7 bankruptcy has concluded, the debtor will have no liability for discharged debts. However, some types of debts are not dischargeable. Chapter 7 bankruptcies allow certain debts to be reaffirmed.   Brooks Law Office, P.C. offers one flat rate for a Chapter 7 bankruptcy regardless of the amount of creditors or reaffirmations that the bankruptcy will include.

CHAPTER 13 BANKRUPTCY:

            A Chapter 13 plan allows for debtors to pay back all or part of their owed debts.  A Chapter 13 will allow the Debtor to consolidate all of their debts and make one monthly payment to the Chapter 13 trustee who will distribute the payments to the creditors.  In a Chapter 13, the debtor’s repayment plan will last anywhere from three (3) to five (5) years.  One benefit to a Chapter 13 Plans is that it offers debtors a way to save their homes from foreclosure.  A Chapter 13 Plan may stop a foreclosure and help the debtor to cure overdue and delinquent payments. 

 

What to Bring to Your FREE Initial Consultation with Bankruptcy Lawyers Try to bring a list of who you owe, and how much you owe. It is helpful to bring addresses for each creditor, although you may not need this for the initial consultation. You should also bring any notices from courts that you have received. Filing bankruptcy can remain on your credit for 7-10 years. This does not mean you cannot get credit for that amount of time. Some people bounce back very quickly, and are able to get credit soon after the bankruptcy discharge. Whether or not you are granted credit in the future depends on many factors. Such as: Status of Employment Earnings Level Length of Employment Stability of Residence The amount of debt you have at the time of the credit application Whether you have filed bankruptcy before   Call 1-866-903-9320 today to schedule your Free consultation with our knowledgable staff and expert bankruptcy attorneys.