When should I consider filing for Bankruptcy?
Do you have credit card debt that is becoming difficult to pay?
Do you have unpaid medical bills?
Are you falling behind on car or mortgage payments just to keep up with your mounting credit card or medical debt?
Is your property in foreclosure?
Is your car about to get repossessed?
Have you had a car repossessed?
Do you have surcharges?
Do you have any judgments against you or are about to be served with a judgment?
Do you have IRS problems?
Are your creditors calling you all hours of the day and night?
Do you have debt from a previous accident where you were sued?
Do you have unpaid legal bills from a divorce or law suit?
Do you have old debts that have resurfaced?
Do you have collection agencies hounding you where you want to change your number?
If you answered yes to one of the above, you may want to call us now to find out your bankruptcy options. Filing for bankruptcy cannot reduce your mortgage payment, but there are cases where we are able to wipe out a second or third mortgage, depending on the value of your home and the amount of your primary mortgage. Filing for bankruptcy does not allow you to stop paying for your car and allow you to keep it, but in some rare cases, we can cram down a car loan to where you are paying the book value plus a small interest rate in a Chapter 13 cram down case. You need to call us to discuss these options since this is not a simple solution you can learn about on a website.
Lee Abt is an Experienced Bankruptcy Lawyer in New Jersey - Call Today!