Bankruptcy
Is your home at risk of foreclosure? Are you behind on your car payments? Are you only paying the minimum balance on your credit cards? Is your paycheck being garnished? Are creditors harassing you, your family members, or even your neighbors? Are you losing sleep over your financial difficulties? If you answered yes to any of the above questions, then bankruptcy may be the solution for you.
Bankruptcy allows you to restructure or eliminate debt and start on the road to financial freedom. Upon filing either a Chapter 7 or Chapter 13 petition, you will receive immediate protection by an “automatic stay” and will no longer be at the mercy of your creditors.
Don't continue to drown in debt! The attorneys at Skier & Associates are here to help you take control of your financial future. We are a debt relief agency and Attorneys at Law who help people file for bankruptcy relief under the Bankruptcy Code. With a non-obligation consultation that is completely confidential, we can review your specific situation and recommend a solution that will work best for you. Our experienced staff can help you with the following:
| Bankruptcy Alternatives Bankruptcy Exemptions Chapter 7 Bankruptcy Petitions Chapter 13 Bankruptcy Petitions Collections Defense Credit Restoration Creditor Abuse Debt Consolidation Debt Counseling | Debt Litigation Debt Negotiation Debt Relief Discharging your debt Foreclosure Defense Loan Modifications Repossessions Short Sales Wage Garnishment |
Contact our office online or by telephone to have a qualified professional handle your bankruptcy case today.
Automatic Stay: An injunction that automatically stops lawsuits, foreclosures, garnishments, and all collection activity against the debtor the moment a bankruptcy petition is filed.
Bankruptcy: A legally declared inability or impairment of ability of an individual or organizations to pay their creditors.
Creditors: A person or business to which the debtor owes money or that claims to be owed money by the debtor.
Chapter 7: The chapter of the Bankruptcy Code providing for a "liquidation" proceeding (i.e., the sale of a debtor's non-exempt property and the distribution of the proceeds to creditors). It is the most common form of bankruptcy.
Chapter 13: The chapter of the Bankruptcy Code providing for adjustments of debts of an individual with regular income. It allows a debtor to keep property and pay debts through a payment plan over time, usually three to five years.