*No representation is made that the quality of legal services to be performed is greater than the quality of legal services to be performed by other attorneys.
**We are deemed to be a “debt relief agency” under the Bankruptcy Code. We can help you file for bankruptcy relief.
We're here to help in any of the following situations, including…
Bankruptcy Law (Chapter 7, 11, and 13)
Bankruptcy Chapter 7
Chapter 7 or straight Bankruptcy case, an individual or married couple requests the Bankruptcy Court to “discharge” or eliminate particular debts. The most likely and most often pursued goal in a Chapter 7 is to eliminate unsecured debt, e.g., credit cards, medical bills, payday loans. Debtors can also choose to surrender vehicles and mobile homes, and eliminate the risk of being “under water” in regards to this certain collateral. Should you wish to retain your secured collateral, e.g., vehicles, primary residence, you can do so by reaffirming the debt, or entering into a voluntary repayment plan, with each creditor.
Chapter 7 is oftentimes an effective way for debtors to get the “fresh start” that they so desperately seek.
Chapter 13, or Debtor's Court, can be a useful way for an individual or married couple to consolidate their bills and repay their debts while being protected by the Court. In a Chapter 13 case, unsecured creditors (e.g., credit cards, medical bills) receive no interest or late charges while you are repaying your debt through your plan. Your secured debt (e.g., mortgage arrearages and car notes) is also paid through your Chapter 13, often at reduced interest rates and monthly fixed payments. Chapter 13 is effective means at stopping garnishments, repossessions, and even foreclosures on property.
Chapter 13 involves complex issues in most cases, and is vastly different in each individual situation. Our office has successfully represented hundreds of Debtors in Chapter 13. There is NEVER A CONSULTATION FEE, so contact us today for a free appointment!
Credit Reporting Errors
Your credit report, and the accuracy of it, determine many decisions in today's world, from obtaining employment to utility service. So, it is of utmost importance that you ensure that your report is accurate.
The Fair Credit Reporting Act (FCRA) was enacted in 1970 as a means to ensure reliability and accuracy of one's credit report. The FCRA governs the collection, use and dessimination of a consumer's credit information. You can obtain a FREE credit report by visiting www.annualcreditreport.com. The Fair Trade Commission (FTC) also has useful information on it's website, www.consumer.ftc.gov.
Credit reporting errors, including identity theft, is a common occurrence, and one you of which you need to be aware. If you suspect you may have experienced either an error or identity theft, call today for a FREE CONSULTATION.
Debt Collection Abuse
The Fair Debt Collections Practices Act (FDCPA) governs creditors' behaviors in their attempts and subsesquent action to collect a debt. The law is aimed at preventing “abusive, deceptive, and unfair debt collection practices by many debt collectors.” See FTC.gov. The FDCPA addresses such things as when creditors may call you, to whom they may speak with concerning a particular debt, and what information and disclosures must be given to the consumer.
It is not uncommon for creditors to shun the FDCPA and It's regulatory function. If you feel that you are being harrassed by a creditor, and their attempts to collect on an alleged debt, then call us today. We want to see to it that your rights are protected.
Auto Accidents happen without any warning. The insurance company will take decisive steps to protect itself and minimize its exposure to paying your potential claim. You deserve quality representation to protect your interests.
After such a dramatic situation as an auto accident, you should not have to worry with the burden of dealing with the insurance companies… you should only have to worry about getting yourself back healthy, back to work, and back to the place and condition you were prior to the accident.
Let us be the ones to help guide you. Call us today for a FREE CONSULTATION. If you cannot make it to our office, don't worry– we'll come to you!
Defective Products & Consumer Rights
The three main types of product defects are design defects, manufacturer defects, and defects in instructions or warnings. The legal remedy for injuries sustained from a defective consumer product vary from case to case.
- Defects in Design – Example: A bicycle manufacturer's design specifies brake cables that tend to come apart when the rider applies the brakes during normal use.
- Defects in Manufacturing – Example: A car has an accelerator that is prone to sticking, due to a defective manufacturing process, creating the possibility of a serious accident and injuries or death.
- Defects in Warnings – Example: An adequate written warning is required for a space heater that is prone to overheating and causing a fire hazard if left on for more than 12 hours.
- Other Common Defects and Recalls: