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10-Step Easy Peasy Bankruptcy

There are times when debt is so overwhelming that dealing with creditors and negotiating settlements with debt collection agencies simply can’t take care of the problem. When that’s the case, gathering bankruptcy information and considering the possibility of declaring bankruptcy may be an option to consider, since a bankruptcy discharge could potentially wipe out your debt.

1-  You are provided with a package of information to fill out.

2 – You fill out the information.

3- Completed package goes to us with the first fee payment of $500

4- We fill out the bankruptcy petition for you

5- You returns to the office with a completed package, signed agreement and $495 (balance of our fee) + $335.00 (Bankruptcy Court Filing Fee)

6- You take an online money management course.

7- Bankruptcy petition gets filed

8- 341 Meeting of Creditors

9- Debtor takes final (second) money management course

10- Bankruptcy Discharge Received

Considering Declaring Bankruptcy? Get Bankruptcy Information.

Although filing for bankruptcy is a major step, it doesn’t have to be stigmatizing. The truth is, bankruptcy information reveals that the U.S. Bankruptcy Code has been in place for well over 100 years, and is designed to help Americans gain a fresh start. In 1934, the Supreme Court wrote about the purpose of the bankruptcy law and of declaring bankruptcy: “It gives to the honest but unfortunate debtor…a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt.”

There are two ways of declaring bankruptcy, and one common way that debt collectors violate the law. What bankruptcy information would you like?

Chapter 7 Bankruptcy – Chapter 7 bankruptcy liquidates all of your non-exempt assets, discharges your non-exempt debts, and gives you a fresh start.

Chapter 13 Bankruptcy – Chapter 13 is designed to give you the breathing room you need to reorganize your debt and pay it off over time.

Bankruptcy Stay Violations – Once you’ve filed for bankruptcy, debt collection efforts must stop. If a debt collection agency calls, writes, or takes legal action against you, it may constitute a stay violation.

If you’d like more bankruptcy information or are considering declaring bankruptcy, contact us at 203-529-5100. We’re happy to outline your options so you can make the decision that’s best for you and your family.