|
| HOME | FIRM PROFILE | ATTORNEY PROFILE | LEGAL ARTICLES | RESOURCES | DIRECTIONS | CONTACT US |
|
YOUR PARTNER IN THE LAW No matter how much one may hope otherwise, sometimes life can take an unexpected turn that requires you to need the services of an attorney. A good lawyer is someone you can depend on to be on your side, fighting for your rights or the compensation you deserve.Most of our clients are hardworking honest individuals who just happened to fall upon difficult economic times. Their lives become one of fearing to go to the mailbox, or answer calls from creditors and collection agencies. They continue to struggle to survive financially, working as hard as possible to pay their bills but seeing their debts continue to grow. Declaring bankruptcy can be a difficult decision, and you need an attorney with the experience and competence to guide you through the process. A business or an individual can declare bankruptcy once they have ascertained that it has become impossible to pay off one's creditors. It can give you a chance to start over from a financial point of view, as most of one's debts are relieved after bankruptcy has been filed. Chapter 7 Bankruptcy, if you qualify, means that you will pay nothing back to unsecured creditors and can retain your home and vehicles. Chapter 13 ultimately will discharge all of your unsecured debt. However, a portion of that unsecured debt will need to be paid back by way of payments to the federal trustee. This form of bankruptcy will allow those who are behind on mortgage or vehicle loans to keep their homes and/or vehicles by placing all arrears owed into a repayment plan with the trustee. Contact Edward Wiercinski today to learn more about your options under the current bankruptcy laws. He is here to help. 
Chapter 13 Bankruptcy
In these cases filing Chapter 13 bankruptcy
can allow you to retain your home and/or vehicles and only pay back
a percentage of your unsecured debt.
The Law Office of Edward R. Wiercinski takes pride in helping individuals file for Chapter 13 bankruptcy and establish viable repayment plans for debts. He has helped numerous debtors recover from their debt and return to living financially healthy lives. Our office will provide the following services involved in filing a Chapter 13 bankruptcy petition: * Free phone consultation * No additional charges for any in-office meetings * Flat fee * Complete and file all forms * Represent you at all hearings  Beyond guiding you through the Chapter 13 process, The Law Office of Edward R. Wiercinski will instruct you as to the best course of action. Chapter 13 isn't for everyone, and there are numerous factors to consider. No matter your situation, you can always trust The Law Office of Edward R. Wiercinski to provide honest legal counsel that helps with your debt. Don't Let Debt Ruin Your Life; Get Your Debt Discharged With the Help of The Law Office of Edward R. Wiercinski. To schedule a free telephone consultation, call Ed Wiercinski today. Don't Let Debt Defeat You: Chapter 7 Bankruptcy Can Provide a Fresh Start If you're plagued by debt, filing Chapter 7 bankruptcy may be the most effective way to protect yourself from creditor harassment and start afresh.
If you qualify for a Chapter 7 Bankruptcy filing, you will not have to
pay any amount back to your unsecured creditors (i.e. Credit Card companies).
Edward R. Wiercinski is a bankruptcy attorney ready to help you file for a chapter 7 bankruptcy petition, stop bank levies and wage garnishments, make the phone calls stop, and discharge your unsecured debt. He has helped numerous clients discharge themselves of debt and can do the same for you. Our office will provide the following services involved in filing Chapter 7 bankruptcy: * Free phone consultation * No additional charges for any in-office meetings * Flat fee * Complete and file all forms * Represent you at all hearings Beyond guiding you through the Chapter 7 process, The Law Office of Edward R. Wiercinski will instruct you as to the best course of action. Chapter 7 isn't for everyone, and there are numerous factors to consider. No matter your situation, you can always trust The Law Office of Edward R. Wiercinski to provide honest legal counsel that helps with your debt. Don't Let Debt Ruin Your Life; Get Your Debt Discharged With the Help of The Law Office of Edward R. Wiercinski. To schedule a free telephone consultation, call Ed Wiercinski today! COMMON QUESTIONS
Can I keep my home and car?
YES!
It is extremely rare to lose any property, vehicles, furniture or possessions when
filing for bankruptcy unless you choose to surrender a particular piece of property. There
are parts of the law called "exemptions" that protect your home, cars, pensions, clothing,
jewelry and other personal belongings. The only way you would lose your home or car is if
you stopped paying for it, and even then you can put all the back payments into a Chapter
13 plan paying the arrears without interest over a 36 to 60 month period. Even if one has
too much equity in their home, instead of losing their home, they would file a Chapter 13,
still protecting their home, but paying a percentage of their unsecured debt in a 3, 4 or
5 year plan. This percentage is often very small, but it varies because of each person's
individual situation.
Will my Creditors stop harassing me?
YES! All collection efforts must stop immediately after your filing. This means all
lawsuits, wage garnishment, bank levies, letters, and phone calls must stop. The laws
that protect you in bankruptcy are Federal Laws which prevent creditors from further
collections and harassment. A bankruptcy filing will even stop a Sheriff sale of your
home.
Does my spouse have to file along with me?
NO!
Not if your spouse has separate debts from those you wish to wipe out. Many married
couples share credit cards and therefore, it is a benefit to file jointly. It is the same
price to file jointly as it is to file individually. If you file for bankruptcy, and your
spouse does not share any of your debts, your spouse will not be affected by your
filing.
Will my friends, relatives and neighbors know I filed for bankruptcy?
NO!
Only if you tell them. There is no sign that pops up on your lawn saying that you
filed and no scarlet letter to wear on your lapel that tells the world you filed for
bankruptcy. In fact, we file for many people that live on the same street or come from
the same family or work at the same job and they do not know about each other's bankruptcy.
Your future lenders will know when you apply for a loan and/or your future landlord if
you apply to rent an apartment since your bankruptcy will appear on your credit report
for approximately 7 years. But they will not be concerned if you have developed new and
steady credit after your discharge.
Can I be fired for filing bankruptcy?
NO!
U.S.C. Section 525 prohibits any employer from discriminating against you because you
filed bankruptcy.
Can the court deny my bankruptcy?
NO!
Not if you have filed a appropriate bankruptcy petition (Chapter 7 or 13) that fits
with your income, assets and needs, and not if you cooperate with the court. Rarely are
cases denied. Some cases may be converted from a 7 to a 13 or vice versa.
Do I have to go to court?
NO!
For both Chapter 7 and Chapter 13 cases filed, there is only one appearance
necessary for the Debtor or Debtors to appear, and for you to meet with the Bankruptcy
Trustee. It is a simple meeting called "meeting of creditors" although it is rare
(now almost never) a creditor shows up. This is the only mandatory meeting and is it quite
a simple one that occurs in a conference room not in a courtroom. I will prepare you for
the meeting, and I am with you at this meeting. On Chapter 13 filings I (without you)
additionally go to a Confirmation Hearing at the Federal Courthouse to confirm your
Chapter 13 payment plans with the Trustee.
|
| Call or email
the Law Firm of Edward R. Wiercinski today, so Edward R. Wiercinski
can personally discuss your legal matter. Law Office of Edward R. Wiercinski 5 Split Rock Drive, Cherry Hill, New Jersey 08003 Tel: 856-489-0580 Fax: 856-489-0582 Satellite Office: 114 Elm Street Westfield, NJ 07090 http://www.attorneyatlawnewjersey.com http://www.partnerinthelaw.com http://www.yourpartnerinthelaw.com http://www.affordablebankruptcynj.com/ The selection of an attorney is an important decision,
you should consult an attorney for individual advice regarding your
own situation.
Last Update 04.04.2010
Contact Webmaster
This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. |