Uttering the word "bankruptcy" instills fear, stress, and confusion in most. You're not alone in your trials of battling insurmountable debt. Attorney Janis M. Smith has intimate knowledge of how trying and complex beating your debt can be, and she works closely with you every step of the way. You won't hear long legal explanation or condescending tones.
You should not feel ashamed when you seek bankruptcy. Bankruptcy filings occur for hundreds of people every day, and nearly all who file are simply financially unable to pay their debts. Filing for bankruptcy should not make you feel guilty or irresponsible. Working with a respected attorney and overcoming your debt with confidence is the right thing to do for you, and your family.
You may have been told by debt collectors that you can't wipe out your debt. They're wrong. When you decide to file, you'll work closely with Attorney Janis M. Smith to determine whether to file Chapter 7 bankruptcy, or Chapter 13 bankruptcy. Chapter 7 bankruptcy allows you to emerge debt-free, save for paying your mortgage, car payments, and other certain critical debts.
The myth of chapter 7 bankruptcy is that you'll lose your property. Most filers do not lose property, and chances are high that you'll keep all or most of your property.
Chapter 13 bankruptcy does not entirely wipe out your debt, but it ensures you do not lose any of your property. Chapter 13 allows your debts to be reduced and consolidated into manageable payments that fit your budget. Counselor Smith will work closely with you, reviewing your debts and your assets, to determine what method of filing is best for protecting your lifestyle and your belongings.
Most importantly, either filing option immediately stops foreclosures, seizures, and freezes on your bank accounts. Even more importantly, filing bankruptcy starts your journey to a debt-free life with better credit.