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Experiencing financial difficulties can feel overwhelming, I can help you. With the use of a Chapter 7 or 13 bankruptcy I can stop creditors calling you. I can help you eliminate or greatly reduce most debts, including credit cards, payday loans, medical debts, wage garnishments, repossessions, lawsuits, judgments, foreclosures, and more, even tax debt if it is more than 3 years old. You could be debt-free and have a fresh start in as little as 100 days!


The Benefits of Filing Bankruptcy


Filing for a Chapter 7 or Chapter 13 bankruptcy protection can address and resolve most debts, including credit cards, payday loans, medical debts, wage garnishments, repossessions, lawsuits, judgments, foreclosures and more, even tax debt if it is more than 3 years old.


Chapter 7 Or Chapter 13 Bankruptcy Which Is Right For You?


Filing a Chapter 7 bankruptcy will allow you to discharge all your unsecured debts like credit cards, payday loans, and medical debts among others, you will be debt-free and get a fresh start in about 100 days.


I would like to make a special note here on payday loans, a large number of people are under the impression that payday loans cannot be discharge in bankruptcy because the payday loan lenders told them so. This is not true. Payday loans are an unsecured debt and can be discharged in bankruptcy. Payday loan lenders prey upon truly desperate people and charge insanely high interest rates. Every month I discharge payday loans in bankruptcy.


Filing a Chapter 13 bankruptcy you enter into a repayment plan with the court to repay a portion of your debts over a 36-60 month period. With a Chapter 13 bankruptcy you can stop foreclosure on your home or other property and it will grant you time to make up arrears.


Debt Consolidation or Chapter 13 Bankruptcy?


They may seem the same at face value, they both require you to enter into a repayment plan to repay your creditors, but that is where the similarity ends. In debt consolidation, creditors can still harass you and can still file lawsuits against you. Debt consolidation companies will also add on monthly fees for their services. For more information about the differences between Debt Consolidation and filing a Chapter 13 bankruptcy I recommend reading this article written by Linda Thompson and published on the NOLO - Law For All” website entitled: Debt Consolidation Scams. Learn about the many dangers of using a debt consolidation company".


But if all your debts are from unsecured creditors like credit cards, payday loans or medical debts, you could discharge ALL of them in a Chapter 7 bankruptcy and become debt-free in as little as 100 days.

Before entering into any debt consolidation contract I recommend you talk first to a bankruptcy attorney to see if that is your best course of action.


Can Filing Bankruptcy Stop Creditors From Harassing Me?


Yes. The moment your bankruptcy is filed with the court a powerful "Automatic Stay" takes effect. From that moment all your creditors are prohibited from harassing you in any form. They cannot call you, write to you or sue you. All debt collection from creditors ceases.


Can Filing Bankruptcy Stop Foreclosure On My Home?


Yes. Filing a chapter 13 bankruptcy can stop foreclosure on your home or other property and will grant you time to catch up on arrears.


Will Filing A Chapter 7 Or 13 Bankruptcy Ruin My Credit?


There are many benefits to filing personal bankruptcy, one of which may appear totally contradictory. Filing bankruptcy can actually restore your credit rating. As long as you pay your bills in a timely manner after filing your credit score will vastly improve.


How Many Times Can You File Bankruptcy?


There are no limits to how many times you can file for bankruptcy, but you can only file a Chapter 7 bankruptcy every 8 years. A Chapter 13 bankruptcy can be filed every 6 years, although this could be shorter if you were unable to complete the original plan. Either way if you have filed for bankruptcy before and feel you need to file again you should talk with a bankruptcy attorney to discuss your individual circumstances.


My Bankruptcy FAQs and Useful Links


I want to make my website as useful as possible so I have brought together some simple answers to questions you may have about filing either a Chapter 7 or Chapter 13 bankruptcy.


You may also find my Useful Links page really helpful. If you need to get your credit reports, I have a link to Annual Credit Report, where by Federal Law you can get totally free credit reports from the 3 reporting agencies once a year. If you can't find your Tax Returns? I have a link for that.


Student loans and bankruptcy. For the most part student loans cannot be discharged in bankruptcy, but if you are carrying large amounts of student loan debt and are experiencing financial difficulties you may want to enroll in the Income Contingent Repayment Plan' I have provided the link to the Education Department so you can explore if that is something that may help you.


Why Call Me?


Financial problems happen to the best of us. I understand each bankruptcy I do is unique. I understand debt not only effects your credit rating it can effect your entire family life. I pride myself on being the strongest advocate on behalf of my clients, and making sure their bankruptcy is optimized to it's fullest. I am a bankruptcy attorney who prides himself on accessibility, when you call my office you reach me and not a receptionist.


All my clients appreciate the personal attention they receive and the knowledge I am always just a call, text or email away. I always offer FREE financial consultations, it's important you know through my experience the options available to you before you make any decisions that can effect the years that come.


Call me now and see how I can help.


Stephen Marshall

Bankruptcy Attorney


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