There are many people who suffer financial hardship because of loss of job, divorce, medical problems, or overuse of credit cards. Sometimes, bankruptcy is not the answer - there are other things that may be done which may serve you better.
I may advise you to wait to file under certain circumstances.
If you do not own a home, or have insufficient equity in your home, and you have a certain income level, a Chapter 7 may be your best solution - it will discharge your debts.
If you do own a home, and you have a certain amount of equity in the home, or you have a higher level of income, a Chapter 13 petition may be your best solution, even though it requires a payment plan of over 3 or 5 years.
If you have a second mortgage on your home, and the value of the home is less than your first mortgage, you may be able to strip off the second mortgage in a Chapter 13.
I interview potential clients over-the-phone to determine the nature of their problems.
I Review Your Problems to Determine What's Best for You
This is the advantage you get when dealing with a sole practitioner - you get an opportunity to discuss your case from start to finish.
The sooner you deal with your financial problems, the better off you will be.
Call me today for a FREE initial consultation.
About Jay B. Shuster
Jay B. Shuster is a general practice
attorney, with extensive experience handling cases involving accidents, bankruptcy, business law, civil trial, family law and divorce, and workers' compensation. Jay has been practicing law for over 35 years.
Jay finds it interesting to work in many areas, unlike "focus" attorneys who limit their practice to one particular area.
"Some lawyers do what their clients tell them - they use it as an excuse for a particular course of action. I advise my clients what to do - I make no excuses."