Bankruptcy
Are You Financially Distressed? At Your Breaking Point?
At a certain point, the burden of debt will lead almost anyone to their breaking point. Whether it comes as a result of job loss, medical bills, declining wages, failed investments, or just misfortune, the drafters of the bankruptcy code understood that there comes a point where enough is enough. If you cannot pay your debts or are dealing with a lawsuit, wage garnishment, foreclosure, or are simply just tired of receiving telephone calls from collectors demanding payment, bankruptcy may be of help to you.
One of the major aims of bankruptcy law is to help financially distressed people by providing them the opportunity to make a new financial start. Filing a bankruptcy generally results in the discharge of most, if not all, of your debts, so that no further collection action can be taken against you. In addition, bankruptcy can delay your foreclosure or even provide you a solution to avoid foreclosure completely by giving you a means to pay back your mortgage arrearages over time.
At the Law Office of Jennie Spere APC, our priority is to arm you with the information that you need to make the right financial choice for you and your family.
During our FREE initial consultation, we will review your financial condition and discuss what options are available to you. We will explain the benefits and the consequences of each choice so that you are empowered to make the best decision for your financial future.
Take the first step today and schedule a FREE consultation!
The Law Office of Jennie Spere, APC
We help our clients eliminate debt and get a fresh start. This can lead to reduced stress and better sleep at night. Specifically, our clients can discharge unsecured debt in a Chapter 7 bankruptcy or consolidate debt in a Chapter 13 bankruptcy. If you need to eliminate debt and get a fresh start or you just need answers to bankruptcy related questions, we encourage you to take the first step and call our office at (909) 942-6600 Se Habla Español click the link to schedule your FREE initial legal consultation. Se Habla Español
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How We Might Help You
We start by explaining how your property and debts will be treated in bankruptcy. During your free consultation we will learn more about your income, debts and assets. Once we have a clear picture of your financial situation we will tell you whether bankruptcy is your best option. Bankruptcy is not appropriate for everyone, and we may advise you to pursue other debt relief options. However, if bankruptcy is your best option we will explain which debts can be eliminated or reduced. Once we have answered your questions we will quote our fee for taking your case. If you want to move forward with bankruptcy we can often make progress on your case that very same day.
If, after careful consideration, you decide that bankruptcy is the right choice for you and your family, we will help you create a timeline for your bankruptcy. We will begin by giving you tools to help control creditor phone calls and deal with wage garnishments to give you some peace of mind while preparing for bankruptcy. When you are ready to file, we will use our expertise to create and file your bankruptcy petition and guide you through the process. After bankruptcy, we will discuss with you steps that you can take to rebuild your financial future. The Law Office of Jennie Spere APC understands that the bankruptcy process can be intimidating and scary, so our priority is open communication so that you understand the process from beginning to end.
If you are losing sleep over debt, a wage garnishment, a bank levy, or a pending foreclosure or tax issues then take the first step and call us today for a FREE consultation.