Shelby Personal Bankruptcy Lawyer

Shelby Personal Bankruptcy Attorney

If you are struggling with the burden of unmanageable debt, bankruptcy may be the answer for you. Bankruptcy has enabled millions of Americans to break free from difficult debt problems and obtain a fresh start.

Bankruptcy may enable you to:

• Eliminate or significantly reduce your debts
• Stop creditor harassment
• Stop wage garnishment
• Putting a stop to foreclosure on your home
• Stop auto repossession
• Obtain other critical debt relief

To schedule a free consultation, call 704-487-7204. From office in Shelby, our lawyers serve clients across western North Carolina.

We have helped many clients find solutions to difficult debt problems. Contact us to learn more about:

• Chapter 7 bankruptcy: Sometimes described as a debt liquidation bankruptcy, Chapter 7 bankruptcy completely discharges most forms of debt, including credit card bills, medical bills and other consumer debts. It is a fast and extremely effective remedy that enables you to discharge all or a significant portion of your debts.
• Chapter 13 bankruptcy: With a Chapter 13 bankruptcy, you repay a portion of your debts in an amount a court determines that you are able to pay. Your debt repayment or reorganization plan lasts for three or five years. After the successful completion of your plan, the court will discharge remaining unsecured debts, which could save you thousands of dollars or more. Chapter 13 is often used by people who are behind on their home mortgage payment who are seeking to avoid or stop home foreclosure.

Both Chapter 7 and Chapter 13 bankruptcy result in an automatic stay, which goes into effect the moment your case is filed with the bankruptcy court. The automatic stay temporarily halts most creditors from further collection efforts, including wage garnishment, auto repossession and home foreclosure.

Put An End To Your Debt Worries

You should not have to live with constant strain and anxiety that is caused by debt problems. You should not have to worry that every time you open your mail you will get another nasty collection letter, or every time you answer your phone that you may be confronted by a bill collector.

We understand that many people are apprehensive about bankruptcy. Do not let fear stand in your way of learning more about bankruptcy. People who visit our office often discover that their concerns about bankruptcy were unnecessary.

People frequently discover that bankruptcy will provide a solution to the debt challenges they face, and they feel a renewed sense of hope. Let us put our experience and knowledge of the law to work for you.

Bring This Form To Your Initial Bankruptcy Consultation

When you have a bankruptcy consultation at The Schweppe Law Firm, P.A. in Shelby, you will meet with an experienced attorney. We will discuss your financial situation and review both your bankruptcy options and other debt restructuring alternatives. For this initial meeting, all you need is a general knowledge of your debt and income information and where you stand with debts and mortgages.

In order to fully analyze your case, it is necessary to provide detailed information about your debts, creditors, assets, employment and tax returns. Once we have an initial consultation, and if you decide to proceed with filing bankruptcy, we will ask that you provide detailed written information about your financial circumstances. This allows for an organized approach to gathering all the information needed to fully analyze your potential case. A link to this financial questionnaire is provided below.

We understand that the thought of bankruptcy can be overwhelming and stressful. However, most people feel a sense of relief once they know what options are available. Bankruptcy consultations are free, and we look forward to helping you make the best of a difficult situation.

♦ Bankruptcy-Intake-Form

Get The Help You Need Today

We understand the anxiety that comes with financial uncertainty. We will explain the costs and benefits to filing for bankruptcy. Call 704-487-7204 and speak to a member of our staff about your concerns. We will gladly answer any of your questions over the phone or in a free consultation. You can also reach us via website email.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.