Question:
I hear that it is not as easy to file bankruptcy as it was a few years ago and it is more difficult to qualify. How can I tell if I can qualify?
Answer:
In our experience, the vast majority of people who come to see us can easily qualify for either a Chapter 7 or Chapter 13 bankruptcy. Just make an appointment and come in for a free consultation about this.
Question:
Which is best for me, a Chapter 7 or a Chapter 13?
Answer:
It depends on your financial condition and what you want to accomplish. For most of the people who come to see us, a Chapter 7 best suits their needs. A Chapter 7 bankruptcy can wipe out most unsecured debt and allow the client to keep their house, car, furniture, etc.
On the other hand, a Chapter 13 bankruptcy is called for when people are facing foreclosure of their home or repossession of their automobile and certain other problems. Also, people who just want to repay their debts without creditor harassment and late charges find Chapter 13 to be beneficial.
There are many other factors involved. Please make an appointment so we can discuss your options. We are a debt relief agency and help people file for bankruptcy under the bankruptcy code.
Question:
I was denied on my Social Security disability claim. Should I appeal the denial?
Answer:
Definitely! About 80% of the appeals are successful. You probably need a lawyer since this can be a very complex process. There will be no attorney fee unless you receive benefits. Call today for a free consultation.
Question:
How can I protect my home, car, business and other assets from creditors?
Answer:
We can advise you on how to place those assets beyond the reach of creditors by transferring them to certain entities. For example, if you are involved in an automobile accident for which you are liable for personal injury beyond the limits of your insurance policy, your assets could be at risk. There are many other situations in which asset protection is desirable. However, if you wait until the liability arises, it will probably be too late to act. Protect those assets now.
Question:
I have a large tax liability for several tax years. How can you help me deal with the IRS?
Answer:
There are several techniques for dealing with the IRS, including payment plans, offer in compromise, innocent spouse rule, etc. We will be glad to discuss your options in a free consultation.
Question:
How can I obtain a divorce easily without going through all the red tape, expense and conflict usually involved in a divorce?
Answer:
If you and your spouse can completely agree on the terms of your divorce, then we can represent you in a divorce on grounds of irreconcilable differences. This is what is usually called a “no fault” divorce and is much less expensive than fighting it out in court. Call for an appointment and we can further advise you on how to proceed.