Tag: Bankruptcy Attorney in Los Angeles

  • Information Essential for Filing of Bankruptcy

    Information Essential for Filing of Bankruptcy

    Once you have concluded that bankruptcy is probably the best way to get rid of your debts, it is time to consult an experienced bankruptcy lawyer. Most lawyers will ask you for a detailed account of your income, assets, and debts. This is because while filing for bankruptcy, you are required to disclose all this information as per Federal Law. For a person struggling with finances, reliving their failures can be quite overwhelming, however, this is something you cannot avoid if you wish to have your debts discharged. According to lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, a bankruptcy attorney will require these documents for preparing your bankruptcy petition:

    • Questionnaire

    The questionnaire helps in gathering information about the income, assets, and debts of the prospective bankruptcy filer. You are also required to provide information regarding any assets you had held or transactions done within the past 2-5 years. The attorney can determine an outline of your finances from these questions and assess which would be the correct time to file for bankruptcy.

    • Proof of income

    Individuals can file for either Chapter 7 or Chapter 13 bankruptcy depending on their average income. To calculate this, a record of your income for the previous 6 months is required. In case of a salaried person, pay-stubs or cheques of the last six months; for a business owner, the profit and loss statements for the same duration and for a retiree, their social security or retirement income award letter will be needed.

    • Credit report

    Since many people might end up forgetting how much they owe to whom, using their credit report is ideal. This gives an idea of the debts you need to include in your bankruptcy. To be on the safer side, you should get your credit report from all three credit reporting bureaus so that you do not forget to include any debt when you file for bankruptcy.

    • Other documents

    Apart from these, your lawyer might also need –

    • your tax return information for the past two years
    • your bank statements for a minimum duration of six months
    • titles to assets (vehicle, real estate, )
    • latest mortgage statement, etc.

    It is important that you are honest about the information provided when you file for bankruptcy. Since federal law requires complete transparency, any hiding of information could lead to your case being dismissed without a discharge. This will send you in a position worse than when you had started. If you are not sure of anything, ask your bankruptcy lawyer Los Angeles. If you haven’t hired one, you can call 888-297-6023 to schedule an appoint with qualified attorneys to discuss your case.


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    • How to Fight the Social Stigma Attached With Bankruptcy?

      How to Fight the Social Stigma Attached With Bankruptcy?

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      Despite the best efforts of people to bring in the positive sides of bankruptcy, the social stigma attached to it almost always overpowers. Los Angeles based bankruptcy law firm Recovery Law Group has seen various victims of this social stigma who have been struggling with the huge mound of debt but chose not to file for bankruptcy because of its effects on their life. There is no denying that there are disadvantages associated with bankruptcy, however, its pros often outweigh the cons.

      Many people are constantly struggling to pay their bills and lead a normal, debt-free life. However, despite their best efforts, they are still not able to clear all the bills. If this sounds familiar, it is probably time to consult a lawyer. You can make a call at 888-297-6023 to schedule an appointment with experienced bankruptcy lawyers to discuss your case. A veteran bankruptcy lawyer can probably make you understand how bankruptcy can be your way out of the financial mess.

      When you are behind payments, your credit score is low. Filing for bankruptcy won’t tank it further but wipe it clean. Bankruptcy is meant to offer you a fresh financial start. You will see the positive effect of bankruptcy on your credit score once you file for it. Not only will you be able to get rid of a huge amount of unsecured debt, which was holding you down; but also, be able to get a better hold of your finances.

      Despite bankruptcy being public record and remaining on your credit report for 7-10 years depending on the chapter of bankruptcy you filed in; people will not be able to know about it unless they specifically went looking for it. Only your creditors are informed of the bankruptcy. Thus, there is no need to fall prey to the social stigma attached to bankruptcy. Being emotional won’t free you of your debts, bankruptcy would!


        *Are you more than 60 days past due on your mortgage?

        *Do you own a home?

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        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

      • When Should You Hire a Bankruptcy Attorney?

        Call: 888-297-6203

        Anyone can have a streak of bad luck which might result in them in falling under an enormous amount of debt. However, unless you can get a handle on your finances, it is very difficult to get rid of the huge mountain of debt. Slowly, the situation takes a turn for the worse and you might be facing constant harassment from creditors in the form of unwanted phone calls and threatening letters. Los Angeles based bankruptcy law firm Recovery Law Group says that there comes a time when people have to take the unavoidable option of choosing bankruptcy to get rid of your debts.

        It will not be surprising to know that apart from bankruptcy, various other options are available to tackle your debt problem. These include debt consolidation, reaffirming your debt or opting to refinance it. However, most of these solutions require you to deal with creditors directly. Any lack of honoring the arrangement might lead you to lose your property. Bankruptcy, despite having a long-lasting impact on your credit history, is the best legal way to get rid of debts.

        Most people dislike the idea of opting for bankruptcy, as there are many social stigmas attached to it. However, bankruptcy offers to wipe your slate clean, remove all bad credits and lets you have a fresh financial start. Once you have realized that bankruptcy is the best way to get rid of your debts, it is time you contact efficient lawyers to help you with your case. You can call 888-297-6023 to seek consultation with experienced bankruptcy attorneys Los Angeles. Before you file for bankruptcy, it is important for you to know that not all debts will be discharged during bankruptcy. Certain debts can survive bankruptcy. Your lawyer will make you aware of what happens during the entire process.


          *Are you more than 60 days past due on your mortgage?

          *Do you own a home?

          Are you currently working?

          By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

        • Bankruptcy Myths Busted

          Bankruptcy Myths Busted

          Call: 888-297-6203

          Despite bankruptcy being one of the best ways to get rid of debts, there are numerous myths associated with bankruptcy because of which people are wary of filing for it. However, say lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, it is important to sift fact from fiction, especially about something as important as a bankruptcy.

          Here’s a look at some of the most common myths associated with bankruptcy.

          #1 If you have a job, you can’t file for bankruptcy

          In the case of Chapter 7, debts are discharged, after the filer’s non-exempt property is sold off to pay your creditors. However, Chapter 13 bankruptcy involves repaying some portion of your debts to the bankruptcy trustee, as per the court-approved repayment plan. Apart from this, additional costs include filing fees, the fee for credit counseling course as well as the attorney’s fees. Regular payments as per your plan are essential in this case.

          If you lose your job and find it difficult to make payments, you can ask the judge to modify your payment plan. Throughout the plan, your total repayment amount will remain the same, however, the payments can decrease when required and increase when you can afford to make payments. When you file for bankruptcy you are required to provide your last two months’ pay, your past six months of bank statements, as well as last four years of tax returns.

          #2 Bankruptcy makes you bad

          Despite insurance cover, a huge amount of medical bills can send anyone towards bankruptcy. It is not surprising to note that most people who file for bankruptcy owe huge debts towards medical bills. Majority of these people are working citizens who regular pay taxes. When you file for bankruptcy you can get rid of several debts including credit card bills, personal loans, etc. Majority of the debts catered to in a Chapter 13 bankruptcy are secured ones like mortgage, automobile debt, child support, alimony, and taxes. A small percentage of your repayment amount goes towards settling your unsecured debts. After completion of the repayment plan, any unsecured debt which remains is discharged, with creditors sometimes end up receiving nothing.

          People can get rid of their debts by other methods too. Seeking a reduction in their debts might make a better option than filing for bankruptcy. If possible, bankruptcy should always be the last option for people to address their debts. You need to ensure that the timing of your bankruptcy is perfect. It is better to wait some time if you are expecting more medical bills in the near future. A qualified bankruptcy attorney can suggest the best time to file for bankruptcy as well as the chapter you would benefit from. If you are looking for a consultation, you can call 888-297-6023.

          #3 Your credit is ruined by bankruptcy

          Bankruptcy indeed has a negative effect on your credit report; however, the effect is not permanent. In most cases, people who file for bankruptcy probably have bad credit which can only go one way. Bankruptcy wipes your slate clean and thus, in the long run, filing for bankruptcy will improve your credit score by getting rid of bad credits. In the case of Chapter 7 and Chapter 11, bankruptcy remains on your credit report for 10 years while Chapter 13 bankruptcy Los Angeles appears for 7 years. Despite this, filing for bankruptcy will probably help you in getting rid of debts which you had no way of clearing.

          Filing for bankruptcy might cause you to have some difficulty in getting credit after discharge because declaring bankruptcy puts you in the credit risk bracket. Despite this fact, bankruptcy filing helps you get rid of the huge mountain of debt and provides your disposable income for your use. Responsibly managing your money after you get your bankruptcy discharge goes a long way in rebuilding your credit. Since a credit check is done usually when you are seeking employment or while making big purchases like house or vehicle; if you are already in possession of all, bankruptcy won’t have much effect on you, except getting rid of debts. It is therefore vital that you consult experienced bankruptcy attorney to get hold of your finances while divesting you of your debts.


            *Are you more than 60 days past due on your mortgage?

            *Do you own a home?

            Are you currently working?

            By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

          • Late Claims in Chapter 13: Ohio Court Rules Against This Practice

            Late Claims in Chapter 13: Ohio Court Rules Against This Practice

            Call: 888-297-6203

            When a person chooses to get rid of their debt by filing for bankruptcy, the best way is to hire a lawyer. This is so because bankruptcy is a complicated process involving several legalities and documents. Experienced lawyers such as those of the Los Angeles bankruptcy law firm Recovery Law Group, make it a point to inform every creditor mentioned in the list of the impending bankruptcy filing of their client. In case the client chooses to file under Chapter 13, any secured creditor can claim against the debtor getting a discharge. However, there is a catch. They should file the claim prior to the deadline mentioned in the notice informing them of the impending bankruptcy. Many times, creditors neglect the deadline and file claims as per their fancy. This has been restricted by the Ohio Court in the latest ruling.

            In the abovementioned case, the couple filing for Chapter 13 owed property tax, but the company which held the debt failed to file a claim against the couple despite being informed of the deadline through the bankruptcy intimation notice. After the deadline had passed, the court declined the company’s claim to receive payment from the Chapter 13 repayment plan. Though the company had a lien on the home, which would have survived the Chapter 13 bankruptcy, the court’s decision is seen as a step in the right direction by consumers trying to get rid of their debt through Chapter 13 bankruptcy.

            In case you decide to pursue this chapter of bankruptcy to get rid of your debts, you should seek the counsel of experienced bankruptcy lawyers Los Angeles at 888-297-6023.


              *Are you more than 60 days past due on your mortgage?

              *Do you own a home?

              Are you currently working?

              By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

            • Considering Bankruptcy To Get Rid of Debts? Here are Things You Should Remember

              Considering Bankruptcy To Get Rid of Debts? Here are Things You Should Remember

              Call: 888-297-6203

              If you have been struggling with financial problems for long, bankruptcy can be the way out of the financial mess. It might ideally not be your chosen way to rebuild credit, but it sure does give you a fresh economic start which you deserve. However, due to the numerous myths associated with the bankruptcy filing, people are often worried if it is the best way to go ahead. To clear doubts, lawyers of Los Angeles based bankruptcy law firm Recovery Law Group point out the circumstances where bankruptcy can be beneficial:

              • You are facing repossession or foreclosure on your property
              • A major portion of your debts is due to unsecured debts (medical bills, credit card debt, personal loan, )
              • Have taken secured debts like a second mortgage, tax liens, etc.
              • Are being constantly harassed by debt collectors
              • Are facing wage garnishment
              • Have had bank accounts frozen
              • Have a judgment lawsuit filed against you

              Though, bankruptcy is a difficult process to understand, having experienced bankruptcy lawyers by your side can make a huge amount of difference. In case you wish to consult with experts regarding your case you can call 888-297-6023. While contemplating bankruptcy, it is important to keep certain factors in mind:

              • Using credit card before filing for bankruptcy

              Since unsecured debts are discharged in bankruptcy, people think it is okay to use their credit card to the maximum credit before they file for bankruptcy. However, when you file for bankruptcy, your charges of up to six months prior to bankruptcy filing are studied. In case it is found that charges were added to the credit card with no intentions of paying back, creditors can challenge the inclusion and subsequent discharge of the debt. Thus, you might end up owing money to credit card companies despite bankruptcy discharge.

              • Excluding an income source

              Many people have multiple sources of income; however, they might not count some of them as part of the household income. This mistake could prove costly as it might be considered a way of concealing income when you file for bankruptcy. Any income, no matter how minor, should be included in household income while filing for bankruptcy if you wish to get a bankruptcy discharge.

              • Avoid forging your way

              Sometimes, in a desperate bid to get rid of your debts, people try to hide their assets or income to qualify for a certain chapter of bankruptcy. However, bankruptcy trustee going through the entire documents accompanying your petition is bound to come up with the facts. In case you have committed any fraud or forgery, your case will be dismissed, and you might be barred from filing for bankruptcy again. It is therefore prudent to be honest while providing information during bankruptcy.

              • Filing without an attorney

              Bankruptcy is a typical process which takes years of practice to master. Though people can file for bankruptcy without a lawyer too, it is not advisable as the process is quite complex. Discussing your case with experienced attorneys is important to know which option of bankruptcy would be ideal for your situation.

              If you have been struggling with finances for a long time, it is important that you seek the advice of professionals. Expert bankruptcy lawyers Los Angeles can help you get over financial problems by suggesting the best way out.


                *Are you more than 60 days past due on your mortgage?

                *Do you own a home?

                Are you currently working?

                By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

              • Filed for Bankruptcy but don’t know where the Los Angeles Bankruptcy Courts are? This will help you.

                Filed for Bankruptcy but don’t know where the Los Angeles Bankruptcy Courts are? This will help you.

                Many times, people file for bankruptcy to avoid extreme financial issues, like excessive debt. However, many people are clueless regarding the procedure as well as the location of bankruptcy courts. If you are a resident of Los Angeles and are considering filing for bankruptcy but don’t have any idea where a court hearing or meeting of creditors will take place, you are in luck. Bankruptcy cases in Los Angeles are filed with U.S. bankruptcy court for the central district of California. The L.A. division takes care of entire Los Angeles County while other districts have separate courthouses. To find out where you need to go for your bankruptcy hearing, you can enter your ZIP code and find out your courthouse.

                Proceedings in a bankruptcy court

                Consumers can file for bankruptcy under chapter 7 or chapter 13. Bankruptcy proceedings, also known as a 341 (a) meeting, involves creditors and bankruptcy trustee, who oversees your bankruptcy estate to find out what property can be distributed to the creditors. This meeting takes place 6 weeks after filing for bankruptcy. You are required to submit your tax returns from the most recent years, at the meeting.

                Filing for bankruptcy means you need to attend a creditors’ meeting in 30 days after filing your case. Generally, the meeting is simple, if all your papers are in order. The meeting is presided by your bank trustee, and often, unless there is an objection to any exemption, your case is set for a hearing before the judge. Many times, bankruptcy filers do not have to enter a courthouse, except for the creditors’meeting. It is important to note that during a courthouse visit, you should have proper identification papers. The courts function between 9 a.m. and 4 p.m. all through the week (Monday to Friday) except on federal holidays.

                The bankruptcy lawyers of Los Angeles based firm Recovery Law Group suggest that having an experienced attorney by your side can definitely ease the burden of bankruptcy. They ensure that all your papers are in order so that you get a discharge (in the case of Chapter 7) or a repayment plan approved (Chapter 13) without any delay. Since the Central District of California is a part of the Ninth Circuit, which hears more cases compared to other federal circuits, it makes sense to hire lawyers to handle the legal work. In case you haven’t hired a bankruptcy lawyer for your case, you can call 888-297-6023 to discuss your case with bankruptcy lawyers.

                Los Angeles metro region courthouses

                There are 5 division courthouses in the Los Angeles metro region. Here are all the details about them, including how to reach there:

                1. Los Angeles Division Courthouse serves the most of L.A. County and is located at Edward R. Roybal Federal Building and Courthouse, 255 E. Temple St., Room 940, Los Angeles, CA 90012. There is no public parking available at the courthouse but local parking near City of Los Angeles Public Parking Lot 2 (330 E. Temple St.), Also Parking Garage (101 N. Judge John Aiso St.) and Los Angeles Mall Public Parking (225 N. Los Angeles St.) is available. 341(a) meetings are generally held in Suite 1050 (10th floor) at 915 Wilshire Blvd. which is merely 10 minutes’ drive from the courthouse.
                2. Riverside Division Courthouse located at 3420 12th Riverside, CA 92501, serves Riverside and San Bernardino counties. Local parking is available at 12th Street Parking Structure (3535 12th St.), Riverside County Administrative Center (4090 Lemon St.), apart from metered parking near the courthouse. The 341(a) meetings are located at 3801 University Ave. which is half-mile away from the courthouse. Chapter 7 and 13 meetings take place on the 1st floor while that for Chapter 11 take place on the 7th floor.
                3. Santa Ana Division Courthouse serves the Orange County. It is located at the Ronald Reagan Federal Building and U.S. Courthouse, 411 W. Fourth St., Santa Ana, CA 92701. People can use public parking available at Third and Birch streets, Third Street and Broadway, and Fifth and Main streets; and metered parking available at Third, Fourth and Birch streets. The 341(a) meetings take place in the courthouse; Chapter 7 on the 3rd floor and Chapter 11 and 13 on the 1st
                4. San Fernando Valley Division Courthouse is located at 21041 Burbank Blvd., Woodland Hills, CA 91367 and serves portions of Los Angeles and Ventura counties. Free parking is available on site. All 341(a) meetings for different bankruptcy chapters take place at the 1st floor of the courthouse.
                5. Northern Division Courthouse serves San Luis Obispo and Santa Barbara counties and portion of Ventura County. It is located at 1415 State St., Santa Barbara, CA 93101, where free parking is available on site. All 341(a) meetings take place on the 1st floor at 128 E. Carrillo St. (nearly half-mile away).


                  *Are you more than 60 days past due on your mortgage?

                  *Do you own a home?

                  Are you currently working?

                  By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                • What Factors Should You Consider Before Choosing Bankruptcy Attorney in Los Angeles?

                  What Factors Should You Consider Before Choosing Bankruptcy Attorney in Los Angeles?

                  More often than not, bankruptcy is extremely frustrating. People are often at their wit’s end when they choose bankruptcy as an option. Choosing the best bankruptcy attorney or a law firm that has enough experience in dealing with similar cases can be an asset to your case. Since bankruptcy can have long term consequences, having an in adept legal counsel can help the case a lot. There is no dearth of bankruptcy lawyers in the city, however, it is often difficult to choose one from them. Having some tips available to help you narrow down possibilities can be a great relief. Los Angeles based law firm Recovery Law Group provides you with some tips to consider while filing for bankruptcy:

                  • Delay Doesn’t Help – Though the prospect of bankruptcy may seem daunting and scary, it should not be a deterrent in finding a bankruptcy lawyer. Instead of waiting till the last minute to look for one, you can start looking for bankruptcy lawyers well within time. This helps your case as the lawyer also gets enough time to prepare your case. If you think, your financial situation requires professional handling, do not procrastinate.

                  • Get recommendations – you will be surprised to know that bankruptcy is fairly common among people. More often than not, you might be able to find someone within your circle, who has had to take professional assistance to manage their financial problems. You can ask people around you for recommending bankruptcy lawyer. If an acquaintance is in the legal profession, they too can refer a reputed bankruptcy firm in your area. Alternately, you could also check certified bankruptcy specialists in your area. points to remember while choosing bankruptcy attorney should include:

                  • An experienced and knowledgeable attorney
                  •  Proven track record in similar cases
                  • Should have A+ Better Business Bureau rating
                  • Have AV® Preeminent™ Peer Review Rating from Martindale-Hubbell®
                  • Excellent client reviews
                  •  The supportive staff of associate attorneys
                  • Have 10 out of 10 AVVO rating

                  Compare Costs – Since you already struggling with finances, it is important that you compare costs. It is important to know that higher rates are not always equivalent to the high quality of service. Keep your eyes and ears open while consulting and be vary of anyone charging too high or too low.
                  Opt for Consultation – Most bankruptcy attorneys offer free consultations. This is a way to get an honest assessment of your case to determine if bankruptcy is the best course of action available. These meetings can come in handy as you get an opportunity to assess the experience and knowledge of the lawyers while getting an idea about how profound your situation is. You also become aware of the options available to you during these meetings.
                  Trust Your Instincts – Dealing with bankruptcy is often difficult and takes a toll on people. However, with the right attorney by your side, things can be manageable. Since bankruptcy attorney is the one to save you from dire consequences, you should always go with your gut instincts while choosing one.

                  Though bankruptcy may seem like the end of the world for you, it is not so. Consulting with a bankruptcy lawyer can help make things clearer for you. It is important that you do not delay your meeting with a lawyer to get rid of your financial worries.


                    *Are you more than 60 days past due on your mortgage?

                    *Do you own a home?

                    Are you currently working?

                    By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.