SFT Lawyers has expanded to now include a bankruptcy practice!
Right after the holidays when the bills from Christmas gifts and holiday travel begin arriving in mailboxes nationwide is when most people take a serious look at their finances. With W2’s arriving in the mail to file for tax returns, many people realize for the first time they can’t afford to pay for everything. When bills begin to exceed the amount of income coming in each month, most people begin to wish for a way out or for a fresh start and bankruptcy can often provide the relief that people need.
Bankruptcy or the idea of filing for it, can often strike fear in most people but when used for the right reason, bankruptcy proves to be an easy process and enables people to start over fresh and often times keep their physical belongings including their homes and automobiles. Aside from starting over without debt, filing for bankruptcy can stop creditors from calling and harassing about past due payments and reduce the mental stress associated with it.
Generally, consumers may file a Chapter 7 bankruptcy or Chapter 13 bankruptcy depending upon their specific situation and how much annual income they have. A Chapter 7 Bankruptcy is known as liquidation and allows a consumer to discharge the majority of their debts (with some exceptions) and most often being able to keep their automobile and home. A Chapter 13 Bankruptcy allows the consumer to repay a small portion of their debts over a small period of time (typically 3-5 years) and discharges the remaining balance, all while stopping the harassment from the creditor. Even after filing bankruptcy, many people are able to obtain credit cards and other types of loans to help rebuild their credit.
If you feel overwhelmed by your bills for one reason or another, Bankruptcy may be the best option for you. Please contact an attorney at SFT Lawyers, LLP for help determining if Bankruptcy is the best option for you. Our law firm is licensed to practice before both the US District Court for the Northern District of Indiana and the US District Court for the Southern Jurisdiction of Indiana; no matter where you live in Indiana, our law firm is able to meet the jurisdictional requirements. Our law firm is located in Northwest Indiana in Valparaiso. However, the bankruptcy courts have offices located all over the state, including but not limited to Indianapolis, Terre Haute, Evansville, New Albany, Lafayette, Kokomo, Fort Wayne, Hammond, South Bend, and other satellite offices.
2013 Might be your year to start with a clean slate.
SFT Lawyers, LLP
825 E. Lincolnway Valparaiso, Indiana 46383 Phone (219) 841-5683
”SFT Lawyers, LLP – is a Debt Relief Agency as Defined by Federal Law”