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You are entitled to a fresh start and an improved credit score

Filing for bankruptcy can be an arduous task, especially if one has a lot of creditors. However in the U.S., it is extremely simple in relation to the majority of the rest of the world. There are many ways to find out how to file bankruptcy, but by far the best way is to seek legal counsel and ensure you make no mistakes or slip ups in regards to the process, as there are many complicated hoops through which one has to jump. A lawyer can explain the entire process while covering you legally in every aspect.

If you're considering filing for bankruptcy as an individual or business owner, your best option is to consult with an experienced bankruptcy lawyer who can guide you through the entire process of filing for a Chapter 13 or Chapter 7 Bankruptcy.

Having a skilled professional handling your bankruptcy is extremely important. A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems.

Post-bankruptcy you may be entitled to a fresh start, and improvements to your credit score. But a credit reporting agency may wrongfully fail to update your credit report, adversely affecting your credit score. For example, a loan that was discharged by a court may wrongfully remain on a consumer's credit report. This inaccurate and misleading listing will cause the consumer to deal with the aggravation, humiliation, and embarrassment of a low credit score and credit denial.

Consumer Attorneys understands this situation and will work to fix your credit report. Write to us now and we will explore your case for free.

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What Is Bankruptcy

Bankruptcy is a legal proceeding in which a person who can not pay his or her bills can get a fresh financial start. The right to file for bankruptcy is provided by federal law, and all bankruptcy cases are handled in federal court. Filing bankruptcy immediately stops all of your creditors from seeking to collect debts from you, at least until your debts are sorted out according to the law.

Many people who have fallen behind on their credit card bills, mortgage payments and other bills are likely to wonder whether bankruptcy is the best way to manage their debt. Depending on your financial situation, bankruptcy can certainly be effective and beneficial in regaining control of your finances and repairing damaged credit.

Bankruptcy Lawyer's aim is to provide you, the person considering bankruptcy, with tools and information you'll need in order to make an informed decision. Before beginning the process of filing bankruptcy, it is crucial that you evaluate whether bankruptcy is right for you. Our experienced bankruptcy attorneys can walk you through the varying alternatives to bankruptcy before helping you decide on the right course of action.

What happens when you file for bankruptcy with a lawyer

Bankruptcy is a tough choice. Yes, it’s an easy decision when lawsuits are pouring in and court officers are banging on your door to enforce judgments; An easy choice to decide when there has been a tragedy in the family due to accident or illness. Perhaps loss of income or a failed business venture has taken all that you’ve saved or has thrown your “making ends meet” plan far off course. Consumer Attorneys helped many clients through the logical choice and have taken aggressive critical actions to help immediately.

There are situations however where an in depth analysis is necessary in order for an individual to feel comfortable with the decision to file. Typically these complex cases involve houses, investments and diverse business interests. Our office is staffed with mortgage and real estate professionals, these experts have helped many in their own fields with the tough analysis and recovery plans. Short sale, loan modification and land contracts for a new home are options that you may want to consider prior to filing.

At the Consumer Attorneys, one of our primary areas of business is representing individuals in bankruptcy under the new bankruptcy law. If you are experiencing any of these problems, YOU ARE NOT ALONE. We offer a FREE INITIAL CONFIDENTIAL CONSULTATION to individuals willing to learn about the new bankruptcy law. During your consultation, we will explain the difference between a Chapter 7 bankruptcy and a Chapter 13 bankruptcy, as well as, the bankruptcy process. We will explore your circumstances, and together, we can decide whether filing for bankruptcy under the new code is a good choice for you. At your consultation, you will be treated with the respect and dignity that you deserve. Your financial situation will be evaluated, and we will attempt to create an individualized plan of action.

You may be asking yourself: What Can Bankruptcy Do For Me

Eliminate the legal obligation to pay most or all of your debts. This is called a "discharge" of debts. The discharge is a court order signed by a Federal Bankruptcy Judge, and it is designed to give you a "fresh financial start".

Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.

Prevent termination of utility service; restore service that has been disconnected.

At the Consumer Attorneys, our practice involves helping people from all walks of life through the bankruptcy process. We know that the decision to file bankruptcy is not an easy one and can be very emotional. We believe that open and honest communication between an attorney and a client is the only way to begin the healing process. We realize that good, honest and hard-working people, much like yourself, are susceptible to unmanageable debt, and we pride ourselves on being sensitive to your needs.

Bankruptcy is not the end of the road. It is about the future. Taking this step may lead to a life that's simpler, less stressful and more enjoyable. Under the new law, many individuals are able to reorganize and catch up on past due house and car payments and pay off their secured and unsecured creditors (medical bills, credit cards, etc.) by consolidating into a lower monthly payment.

Whether or not you ever want to see another credit card again is up to you. Just remember, we are dedicated to helping our clients. You may be able to restore your credit in as little as two (2) years. We also offer assistance to our clients interested in qualifying for a home loan after completing the process.

We are here to help you through these difficult times. We are licensed with the States of New Jersey, New York, Florida, and Arizona, and our office is a proud member of the National Association of Consumer Bankruptcy Attorneys. We want to help you. Call us today, we will provide tough, affordable representation.

Daniel C. Cohen


Daniel C. Cohen
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