Deciding whether to file bankruptcy is a very serious and stressful decision. Debtors face constant harassing collection letters and telephone calls from creditors. However, the dedicated and compassionate bankruptcy attorneys at the Law Office of Sofia Guzman, P.A. understand your situation, and endeavor to provide clear and concise advice. We strive to make the bankruptcy process as understandable as possible. Our goal is for our clients to begin a new life and get a fresh start after a bankruptcy discharge!
Bankruptcy gives protection to people in financial difficulties that are sinking in debt. Due to current difficult economic times, millions of people turn to the protection offered by filing bankruptcy. Bankruptcy laws were enacted by Congress to provide relief to those who have suffered loss of a job, divorce, significant illness, identity theft, etc. Some people face a combination of unfortunate events that lead to financial distress. People throughout the country file bankruptcy to stop foreclosure and eliminate overwhelming debt.
In a Chapter 7, or liquidation bankruptcy, unsecured debts are fully discharged, and you are left with no further obligations to make payments on unsecured debts. Unsecured debts include credit cards, medical bills, signature loans, etc. In a Chapter 13 bankruptcy, a court approved payment plan is set up based on the amount that a debtor can pay on a monthly basis for three (3) or five (5) years without suffering undue hardship.
There is no need to blame yourself for your situation, just take control of it and do not drag the problem to the point where it has a negative impact on your health or relationship with loved ones. The US bankruptcy code provides a safe harbor and gives you a new beginning when you need it most.
The Law Office of Sofia Guzman, P.A. provides clients in bankruptcy proceedings with legal representation from beginning to end. Our law firm will handle all your creditor’s telephone calls, maintain contact with you throughout the filing process and accompany you to the 341 Meeting of Creditors. We can put an end to creditor harassment and help you build back your credit.
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