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Contact us to find out how The Law Offices of Richard Franzblau PLLC can help you with your compliance needs, inquire about pricing, or ask any other questions.
Our Services
Understanding Bankruptcy Options
Chapter 7 Bankruptcy – A Fresh Start
If you have unsecured debts such as credit card bills, medical expenses, or personal loans that you cannot repay, Chapter 7 bankruptcy may allow you to discharge these debts entirely. This process provides a fresh financial start, though certain obligations like child support, taxes, and court-ordered payments remain non-dischargeable. It's important to note that while past-due mortgage or auto loan payments may be discharged, you must continue making future payments to retain your property.
Chapter 13 Bankruptcy – Debt Reorganization
For individuals with a steady income who are struggling to meet monthly debt obligations, Chapter 13 bankruptcy offers a way to reorganize debts. This involves creating a court-approved repayment plan spanning three to five years, allowing you to catch up on missed payments while keeping your assets, such as your home and car.
Additional Services
Beyond bankruptcy, our firm provides legal assistance in areas including:
- Loan Modifications: Negotiating new terms to make loan payments more manageable.
- Foreclosure Defense: Protecting your home from foreclosure proceedings.
- Estate Planning: Preparing wills, trusts, and other estate documents to secure your family's future.
- Real Estate Transactions: Handling residential and commercial real estate matters.
Richard Franzblau PLLC
Why Choose Us?
Experienced Legal Representation: With over 20 years of experience, Attorney Richard Franzblau provides personalized legal services tailored to your unique situation.
Comprehensive Bankruptcy Services: We offer assistance with both Chapter 7 and Chapter 13 bankruptcy filings, helping you determine the best course of action.
Immediate Relief: Filing for bankruptcy can stop creditor harassment, wage garnishments, foreclosures, and repossessions through an automatic stay
Free Consultations: We offer free initial consultations to discuss your financial situation and explore your options.
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Frequently Asked Questions
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What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Will filing for bankruptcy stop creditor harassment?
Yes. Once you file for bankruptcy, an automatic stay goes into effect, which stops most collection actions, including calls, wage garnishments, and foreclosures.
Can I keep my home and car if I file for bankruptcy?
In many cases, yes. Chapter 13 bankruptcy is designed to help you catch up on missed payments and retain your assets.
How long does the bankruptcy process take?
Chapter 7 bankruptcy typically takes about 3-6 months, while Chapter 13 bankruptcy involves a repayment plan lasting 3-5 years.
Will bankruptcy ruin my credit forever?
While bankruptcy will impact your credit score, it also provides an opportunity to rebuild credit over time by eliminating or reorganizing debts.
Take control of your financial future today. Let the Law Offices of Richard Franzblau PLLC, guide you through the bankruptcy process with compassion and expertise.