On April 20, 2005 President George W. Bush signed the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 into law. The law made bankruptcy more creditor-friendly by making it more difficult for some people to file bankruptcy. These changes in bankruptcy law are considered the most significant since 1978, and were in effect as of October 17, 2005.  These changes may affect you if you decide to file bankruptcy after this date. They include:

Mandatory Credit Counseling individuals filing for  bankruptcy are required to undergo debt counseling within six (6) months of filing a bankruptcy petition. Their bankruptcy petition will be denied if they do not comply within the six month timeframe.

 Get Relief From Creditors Now

Stop Harassing Telephone Calls.
Stop Collection Letters.
Stop Lawsuits, Wage Garnishments.
Stop Bank Attachments.
Stop Evictions, Foreclosures and Repossessions.
Save Your House and Business.
Get Rid of all Dischargeable Debt, such as Credit Card Debt, Medical Bills and Personal Loans.
Get Rid of all Dischargeable Taxes.
Not Sure whether you should use Debt Consolidation and Have a Question about Bankruptcy?
It's easy to get started.
Call me for a Free Consultation.
I will help you get started immediately.

Personal Attention

I will provide Personal Attention to your Individual Situation.
I will personally answer your questions and explain the law to you.

Bankruptcy is a legal tool that you should use when you are faced with debt that you cannot pay.

It is not your fault that you have to file for Bankruptcy to deal with abusive collection agencies and creditors charging high interest rates and fees that you may never be able to pay, even though you want to.

Filing for Bankruptcy is a way of taking responsibility for your situation and clearing out your debts so that you can focus on rebuilding your life and caring for your family and yourself. Stop hiding from abusive collection agencies and consult with a professional Bankruptcy Attorney.

Close Cooperation

Every Step of the way, I will personally work with you from the free consultation, through the meeting of creditors. I am a dedicated bankruptcy attorney.

I will prepare all documents in close consultation with you, to ensure that your case goes as smoothly as possible, and without aggravation.

I will personally prepare you for the meeting of creditors so that you will be prepared to answer the questions that you will be asked under oath.

Even after your case is closed, I will remain available to ensure that your creditors do not contact you.

Aggressive Representation

Sue Your Creditors!!!

I will evaluate whether you may bring a lawsuit against creditors and their attorneys. You may be entitled to collect damages under the Fair Debt Collection Practices Act, if you have been the victim of unlawful harassment or receive collection letters that violate your rights.

Please bring all collection letters with you to my office.

Low Payment Plans

I offer a free consultation to discuss your case and to advise you whether Bankruptcy is the right alternative.

Everything is included, from office consultations, preparing and filing the bankruptcy petition, and appearing with you at the meeting of creditors.

Payment plans are available to meet your budget.

Get Started Today

Get a Fresh Start and Rebuild your Credit.
Call for a Free Consultation.
Convenient Payment Plans Available.
Not Sure whether you should File and Have a Question about Bankruptcy?
Call me for a Free Consultation.
It's easy to get started.
I will schedule your Free Consultation to get you started immediately.