Don’t Go It Alone
Bankruptcy is a complex legal process. You need someone who will take your side and protect your interests. At Calig Law Firm we work hard to make this difficult time as easy as possible for you.
Know Your Rights
Most people only have a vague idea as to what their rights are throughout the bankruptcy process. Therefore, hiring an attorney can help you protect much of your property as well as future wages from the hands of your creditors. It is also important to note that most retirement accounts and other forms of savings are protected from creditors if you file for bankruptcy.
Will You File Chapter 7 Or Chapter 13 Bankruptcy?
There are key differences between the two types of bankruptcy available for individuals. Chapter 7 Bankruptcy discharges your debts without repayment while Chapter 13 Bankruptcy reorganizes your debts with a monthly payment you can afford. If you are filing bankruptcy due to back taxes, we can often stop interest and penalties and sometimes significantly reduce the amount you need to repay.
Keep Your House From Going Into Foreclosure
If you are a homeowner, you may have to deal with a lender who wants to foreclose upon you for failing to pay your mortgage. A Chapter 13 plan can cure mortgage arrearages and save your home from a sheriff sale. Make sure you hire an experienced attorney who has significant experience in bankruptcy law.
You need an attorney in the courtroom to properly represent your interests. Hiring a competent attorney who has significant bankruptcy experience ensures that your lawyer will know exactly what to do to help you each step of the way.