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
An attorney can help with all of the following:
- Stop harrassing collection calls
- Protect vital assets such as home and car
- Help protect ability to gain future credit
- Assist with foreclosure and short sale matters
- Help lower your interest rate