Serving Clients In A Wide Range Of Consumer Bankruptcy Cases
Chapter 7 is the most common type of personal bankruptcy. People file Chapter 7 to get a fresh financial start. It provides very effective relief from credit card debt, medical bills, ordinary civil judgments, personal loans, and other unsecured debts.
Our law firm helps you to avoid foreclosure. We will aggressively negotiate to buy you more time to catch up payments that are in arrears; adjust an interest rate; change a balloon payment schedule; or have a whole new mortgage worked out.
Under a Chapter 13 bankruptcy, a person in debt will create a repayment plan known as a “wage earners plan”, based on income, expenses, and the debts that are owed. Payments will be made over the life of the plan, which is generally 3 to 5 years. At the end of the repayment term, all remaining debts will be discharged
Stop Repossessions & Evictions
Filing a bankruptcy can stop a vehicle repossession, eviction, wage garnishment, utility shut-off, lawsuits and collection calls. Under certain circumstances it can also reduce the amount you owe on certain secured debts, like a car payment and can even lower your interest rate.
Getting Started Is Easier Than You Think!
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Filing For Bankruptcy Can Be A Difficult Decision To Make. With The Help Of An Experienced Bankruptcy Attorney, You Can Make The Most Of Your Opportunities Under Bankruptcy Law, And Obtain A Fresh Start.
Richard L. Pikunis, Jr.
Owner, Pikunis Law, LLC
Required Notice: Pikunis Law, LLC is a designated debt relief agency pursuant to §524 of Title 11 of the United States Code. We provide legal assistance to people seeking relief under the United States Bankruptcy code. This posting is intended to provide legal information, which is NOT legal advice. Legal advice will only be provided in an in-person consultation. Past performance is NOT a guarantee of future results. Each case is unique. Before making your choice of attorney, you should give this matter careful thought. The selection of an attorney is an important decision. If this post is inaccurate or misleading, report the same to the Committee on Attorney Advertising, Hughes Justice Complex, CN 37, Trenton, NJ 08625.