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ARE YOU HAVING FINANCIAL DIFFICULTY?

Bankruptcy may be your answer.

One of the main purposes of Bankruptcy is to provide the debtor with a fresh start. Hurtik Law & Associates’ goal is to provide their clients with relief from financial distress caused by overwhelming debt, harassing bill collectors, lawsuits, wage garnishments and home foreclosures. Bankruptcy can eliminate credit card debts, medical bills, payday loans, deficiencies on automobile repossessions and certain tax debts. It is possible to save your home or automobile by formulating a plan that allows you to catch up on past due payments over the course of 3 to 5 years.

Though it is a common enough word, what exactly does bankruptcy mean? And what are its implications? As is to be expected, filing for bankruptcy is a complicated process but before such a step is taken, it is essential to understand exactly what it is all about.

Simply put, bankruptcy can be defined as the legal process through which individuals or businesses who end up in financial trouble are able to work out their debts and pay them out under the protection of the bankruptcy court. Often “liquidations” or “reorganizations” are the words that are used to sum up the process that unfolds when you file for bankruptcy.

Individuals usually file either a Chapter 7 or a Chapter 13 bankruptcy.

There are various factors that would determine whether you should opt for Chapter 7 or Chapter 13.

Filing for bankruptcy cannot be the solution to all your financial problems. In fact, bankruptcy cannot cover all kinds of debts. Common kinds of debts that bankruptcy does cover are credit card debts, medical bills and unsecured loans. However, debts related to child and spousal support and other tax debts cannot be covered in bankruptcy.

WHY DO PEOPLE FILE FOR BANKRUPTCY?

Let the experienced attorneys at Hurtik Law & Associates assist you in filing your bankruptcy. Allow us to guide you through this difficult and confusing process. Contact Hurtik Law & Associates to set up an appointment for a free evaluation at (702) 966-5200. Your no- obligation consultation with a licensed attorney knowledgeable  in bankruptcy law will assist you in determining whether bankruptcy is right for you.

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