Bankruptcy

We Take It Personally

Bankruptcy is a very personal matter even though it may be a very positive first step toward financial freedom. The attorneys at Eric Pratt Law Firm understand the emotional issues that you are facing. Our Rockford bankruptcy lawyer are committed to a personal relationship with you. We are more than just your attorneys. We are consistently told, by our clients, that they feel very secure being represented by us. At Eric Pratt Law Firm we are responsive, accessible and efficient. Our main concern is for you, the client. We give you understanding when things seem uncertain. Visit www.rockfordbankruptcytoday.com

Eric Pratt

Eric C. Pratt, Attorney, received his Juris Doctorate degree from The John Marshall Law School, Chicago, Illinois in 1993, graduating cum laude. He has practiced law in Rockford Illinois since 1993. He was licensed to practice in Federal Court in 1994 (U.S. District Court, Northern District of Illinois).

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Types Of Cincinnati Bankruptcy

There’s essentially two types of individual bankruptcies that individuals are going to file: Chapter 7 and Chapter 13.

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Types of Cincinnati Bankruptcy?
Cincinnati Chapter 7 is often referred to as straight bankruptcy or the liquidation bankruptcy.

It’s simply where the court will discharge your debts assuming you qualify for the chapter 7, and they will try to take certain things from you; certain assets from you whether it’s money or property, however, in most cases the debtor doesn’t loose any money or property.

That’s the quickest type of bankruptcy.

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Types of Cincinnati Bankruptcy?
Chapter 13 is the other type of individual bankruptcy and that is simply a repayment plan that the court sets up for the debtor, and that can last 3 to 5 years.

The other type of bankruptcy people will often hear about is Chapter 11, but really that doesn’t apply too much to individuals; that’s usually for larger corporations.

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The Mayfield Law Firm has over 35 years of experience. We can file your Memphis bankruptcy in less than 24 hours. The first appointment if free and the deposit if only $89.

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If you’ve been injured in an automobile accident, call the Mayfield Law Firm.

If you need to file Memphis bankruptcy, call the Mayfield Law Firm.

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If you’ve been denied social security disability benefits, call the Mayfield Law Firm.

With offices in Tupelo and Memphis… convenient, free parking at both locations, the Mayfield Law Firm is ready to serve you.

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With Bankruptcy Law offices in Tupelo and Memphis… convenient, free parking at both locations, the Mayfield Law Firm is ready to serve you.

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Hello, I’m Kenneth Mayfield with Mayfield Law Firm. We have the experience, our service is superb, and our reputation is stellar.

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What Are The Advantages Of Filing Bankruptcy?

The advantages of filing bankruptcy are numerous.

Bankruptcy law is a consumer protection law; it is designed to help individuals deal with burdensome credit or financial obligations to their creditors– So the law is designed to help you out.

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In Cincinnati Chapter 7, you’re going to get a complete discharge of most of your debts.

Chapter 13 if that forced payment plan that’s going to stop interest on unsecured debt like credit cards and medical bills or personal loan type debt.

It can provide some relief potentially on your automobile, but on a case-by-case basis that you’d have to discuss with your lawyer.

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And, Cincinnati Chapter 13 can stop foreclosures to give you a chance to get caught back up on your mortgage.

What I try to tell people is the question you want to ask initially is are you far enough in the hole with your debts that simply dealing with the creditors on your own can not get out of debt in a reasonable period of time; and, for most people that answer is “no,” they’re not going to be able to given the interest rates, and the size of debt and the income that people are making, bankruptcy law provides the power of the court to come in and restructure your debt in a 13 or completely wipe it off in a 7 that’s going to get people that fresh financial start.

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What Is The Cincinnati Chapter 7 Trustee?

The Trustee is for the Chapter 7 cases where a Cincinnati bankruptcy attorney is appointed by the court to review your case.

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He is the main official that you will see in your Cincinnati Chapter 7 bankruptcy case.

His job is to look at your schedules, verified that you qualified to file for Chapter 7, and then he’s going to ask about your personal property and see whether or not he can recover any of that to provide some sort of payment to the creditors.

In most cases, the Trustee does not recover any property from the debtor so it’s fairly a straight-forward hearing that last about 10 or 15 minutes, then he or she is concluded with your case.

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How Long Will a Cincinnati Bankruptcy Filing Remain On My Credit?

Normally a Cincinnati bankruptcy is reported on a credit report for up to 10 years, but the better question is how long will it take after the bankruptcy, in particular a Chapter 7, for an individual to get credit again.

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From my experience, most debtors are able to get some form of credit within a year or so after filing, sometimes sooner; and, largely because your debt to income ratio has dramatically improved because you’ve wiped out a bunch of debt.

And, the creditors also know you can’t re-file bankruptcy, at least Chapter 7, for 8 years. So even though it’s reported on your credit report for 10 years, credit will be something that you’ll likely get again.

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What Is Bankruptcy?

Bankruptcy is a federal law that provides individuals the opportunity to bring a conclusion to their debt situation by discharging debts completely in Chapter 7 or in Chapter 13 where you set up a payment plan with the creditors that fits the budget of the individual.

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How Long Will a Cincinnati Bankruptcy Filing Remain On My Credit?

Normally a Cincinnati bankruptcy is reported on a credit report for up to 10 years, but the better question is how long will it take after the bankruptcy, in particular a Chapter 7, for an individual to get credit again.

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From my experience, most debtors are able to get some form of credit within a year or so after filing, sometimes sooner; and, largely because your debt to income ratio has dramatically improved because you’ve wiped out a bunch of debt.

And, the creditors also know you can’t re-file bankruptcy, at least Chapter 7, for 8 years. So even though it’s reported on your credit report for 10 years, credit will be something that you’ll likely get again.

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Phoenix Chapter 7 Bankruptcy — If you fall below a certain income level, filing for a Chapter 7 bankruptcy can help you get rid of your unsecured debt (credit cards, bank loans, personal loans, certain tax debts, foreclosure or repossession deficiencies, judgments, etc.) and hit a financial reset button.

Although a Phoenix Chapter 7 is a liquidation bankruptcy, most chapter 7 debtors are able to keep most of their personal property and their homes.

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An experienced and qualified Phoenix Bankruptcy Attorney will help you to determine which bankruptcy option is the right choice for you, or if it is the right choice at all.

Some people may benefit more from other types of financial intervention such as debt consolidation or debt relief. In either case, the guidance of a Phoenix Bankruptcy Attorney who is familiar with Arizona state law is the best person to provide guidance in your financial matters

At Lerner & Rowe, we don’t just help people injured in car wrecks; we also help people injured in this current financial crisis.

If you’re struggling financially and are considering bankruptcy, call us today.

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