Attorney Tova Weiss is lead Bankruptcy counsel and believes that most people have undergone financial hardship at some point in their lives. Bankruptcy protection affords people the opportunity to get on their feet again, to get a "fresh start," and to rebuild financial health. There is no shame in filing for Bankruptcy protection, it is a legal tool provided to help individuals in financial crises gain control of their personal finances.
Attorney Weiss can provide you with legal representation for either Chapter 7 or Chapter 13 Bankruptcy. By filing Chapter 7 or 13 Bankruptcy, you qualify for a "stay", or no-action period, which is a preventive tool against creditors (for example, credit card and mortgage companies). We will help you in the complex process in order to protect and maximize your rights under the law. We are a debt relief agency, we help people file for Chapter 7 and 13 Bankruptcy.
A Chapter 7 bankruptcy is liquidation. Under the Bankruptcy Code you can prevent your assets from being sold by trustee as long as the assets are legally exempt, while still discharging your dischargeable debts.
The debts that you do not repay are discharged. Some debts can not be discharged ("non-dischargeable") and you must continue to pay them at an agreed time frame and schedule such as taxes, child support, alimony restitution, and others.
To begin your Bankruptcy case you file a Bankruptcy Petition with the U.S. Bankruptcy Court Clerk's office. Call our office today for a Free phone consultation.
A Chapter 13 Bankruptcy is for an individual with Regular Income. In order to file a Chapter 13 Bankruptcy case you must have regular income (may be from different sources) and not owe more than $394,725 in unsecured debt or $1,184,200 in secured debt.
Usually, a Chapter 13 Bankruptcy plan is a three to five year payment plan for the unsecured and secured debt you owe. The plan cannot exceed five years.
A Chapter 13 Bankruptcy provides debtors, especially in today's economic climate, with an opportunity to put all mortgage arrears in a payment plan (paid to the Bankruptcy Trustee), while still keeping their house.
In order to determine which Bankruptcy case is best for you, contact an attorney at the Law Offices of Blitshtein & Weiss by calling toll-free at 1-888-435-4111 or 215-364-4900 or by sending us an e-mail from the link on our "contact us" page. A personal interview and document review will be conducted at your first appointment. Please gather the following documents for your first appointment (if possible)
Fix Credit Report Errors
You have the right to an accurate credit report. Errors on your credit report can result in a lower credit score and limit your ability to get loans causing higher interest rates. If you are frustrated with trying to correct the reports yourself or if you wish to check your credit reports call Lawyers BW today!
Examples of Credit Report Errors are:
- Another person's name and accounts on your credit reports;
- Judgments and Liens that have been paid, but are not marked as satisfied or paid;
- Accounts that do not accurately state payments made;
- Collection accounts that have been paid, but are not marked as paid;
- An individual with a surname of Senior and his son Junior's information is on the credit reports;
- Marking your credit reports with you being DECEASED when you are alive.
Call Lawyers BW today! We take action against the Credit Reporting Agencies, there are no out-of-pocket costs or attorney's fees to you.
Lawyers BW is committed to helping clients repair credit. Credit matters and a good credit report with a solid credit score provides an opportunity for financing approval and financing at a lower interest rate. Consumers save money when credit is good and it is the goal of Laywers BW to correct credit errors for our clients and assist in credit repair.
STOP BILL COLLECTORS FROM HARASSING
YOU AND RECEIVE UP TO $1,000
The Fair Debt Collection Practices Act requires that Debt Collectors not "harass, oppress, or abuse any person in connection with the collection of a debt". If a Bill Collector is harassing you then you have a right to sue the bill collector and collect money damages. The Bill Collector is required by law to pay the consumer, the costs of the lawsuit and the attorney's fees. There is no out-of-pocket cost to you, the consumer.
Lawyers BW will fight for you in stopping harassing phone calls and making the bill collector pay you for violating the law. We will help you stop the harassment of bill collectors and sue them to get you money!
It is very important to your case that you save all telephone messages (both landline phones and cell phones), incoming telephone logs from the bill collectors and collection letters and provide them to our office.
These are some examples of Debt Collector Harassment:
- Calls before 8:00a.m. and after 9:00p.m.
- Calls at an unusual time and place.
- Calls to third parties.
- Threats of violence, physical harm, harm to your reputation or property.
- Use of profane or abusive language.
- Calls you repeatedly or causes your telephone to ring repeatedly.
- Does not disclose his/her identitly or company's identity to you.
- Threatens to take legal action that cannot be taken.
- Accuses you of commiting a crime.
- Threatens to arrest you.
- .Falsely represents that character, amount, or legal status of any debt.
- Fails to disclose that "the debt collector is attempting to collect a debt and that any information obtained willl be used for that purpose."
If any of the above listed events has happened or is happening to you call us today! Don't let the bill collectors disrespect you or make you ill. We will be your voice. We will protect you. We will fight for you!