Legal Support To Stop Debt Harassment And Get Your Life Back
In an era of high foreclosures and shaky economic forecasts, many people are being harassed by creditors and fearing wage garnishment. At Telpner Peterson Law Firm, LLP, our bankruptcy lawyers will work to help you start fresh.
Bankruptcy puts an automatic stay on wage garnishments, collection calls and foreclosure proceedings. The automatic stay will give you a reprieve from creditor harassment. At the same time, our attorneys work with you to determine a plan of action that will allow you to discharge or restructure your debt.
Stopping The Calls
When you file for bankruptcy, your creditors are legally prohibited from contacting you. This can be a massive relief for people who are being harassed by creditors. Additionally, bankruptcy can free up your time and energy so that you can focus on the things that are important to you. This can improve your quality of life by reducing stress and anxiety. Finally, you will have a fresh start after you file for bankruptcy. You will be able to rebuild your credit over time by making on-time payments on your new debts.
Types Of Bankruptcy
Through Chapter 7 bankruptcy, you can discharge debts such as medical bills, credit card debt and personal loans. Chapter 7 bankruptcy allows you to discharge most of your debts, including medical bills, credit card debt and personal loans. However, some debts cannot be discharged in Chapter 7 bankruptcy, such as student loans, child support and alimony. If you are considering bankruptcy, speaking with an attorney to discuss your situation is important.
In Chapter 13 bankruptcy, you can restructure your debts into affordable payments, allowing you to catch up on overdue payments and restore your credit. Chapter 13 bankruptcy is a reorganization bankruptcy, which means you create a plan to repay your debts over time. This can be a good option if you have a steady income and you are able to make monthly payments. Chapter 13 bankruptcy can help you to catch up on overdue payments, reduce your interest rates and even discharge some of your debts.
Our Experienced Attorneys Can Help
Charles L. Smith of our office is an attorney with over 40 years as a bankruptcy trustee. He understands bankruptcy from the perspective of creditors, bankruptcy trustees and debtors. He is a member of the American Bankruptcy Institute and the National Association of Bankruptcy Trustees.
Attorney Nicole Hughes of our office has successfully represented debtors and creditors in various bankruptcy proceedings. She is a former state chair of the National Association of Consumer Bankruptcy Attorneys. She is a member of the American Bankruptcy Institute.
Contact Telpner Peterson Law Firm, LLP
Our attorneys know how stressful it is to be burdened by debt. By filing for bankruptcy, you can experience immediate relief from creditor harassment and wage garnishment. The sooner you contact our attorneys, the sooner you can begin down the road to a fresh start. Contact our Council Bluffs office at 712-309-3738 or by filling out this short contact form.