Bankruptcy is a legal process guaranteed by the Constitution of these United States that may allow you to relive yourself of the burdens of excessive debt either completely or in a manner that you can afford.
Your creditors must comply with your bankruptcy even if they refused to work with you in the past. Federal Law mandates they comply.
Being Constitutionally guaranteed, Bankruptcy Courts are part of the Federal Court system and have all the powers and protections that Federal Law can give you.
Mr. Casey's Bankruptcy practice is limited to the "Consumer Bankruptcy", Chapter 7 and Chapter 13. While you may have heard of other Bankruptcy options such as Chapter 11 (Business Reorganization) or Chapter 12 (Family Farming), Mr. Casey has limited his Bankruptcy practice to Chapter 7 & 13 to best address your needs.
The Stress Relief of Your Financial Burden can usually be obtained in a straight forward manner and Mr. Casey's experience over 25 years in the Bankruptcy area will usually make this process very easy and smooth.
Federal Law will freeze almost any legal problems you have once your Bankruptcy is filed, the weight of your financial problems and those sleepless nights will finally come to end.
Which Bankruptcy is Right for You? That all depends on your debt structure and your particular situation.
A Chapter 7 is a "Complete" or "Total" Bankruptcy, simplistically it eliminates* all your debts. You generally keep your house and car and all your property. The usual example is eliminating credit cards, hospital bills and other unsecured debts,but you will still have to pay on you house and car. Yet, you don't eliminate the debt on your house or car and so forth unless you give up that property. Click here here "Chapter 7 Walkthrough".
A Chapter 13 works best when there is a lump sum of money that is owed and, if not paid by a certain time, something drastically is going to happen. An example of these are a house foreclosure, going to jail for child support, a repossession of your vehicle, garnishment and so forth. There are other reasons to file a Chapter 13 and Mr. Casey will see if they apply to you. Click here for "Chapter 13 Walkthrough"".
Mr. Casey will meet with you and discuss your options and what he can and cannot do for you. He will review your case and let you know his opinion on which chapter is best for you.
You Can File for Bankruptcy no matter what you've heard, your ability to file Bankruptcy is still a right you have. In 2005 our elected Congressmen and Senators attempted to severally restrict your rights in Bankruptcy, yet the right to file still exists. While these fine public servants decided to protect creditors over the citizens of this country, the ability to file Bankruptcy still exists as long as you cannot meet your current obligations.
Call Today for an appointment to discuss your matter.