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    FREE CONFIDENTIAL CASE EVALUATION

    Bankruptcy can provide a fresh financial start and allow you to take your life back from creditors and debt.

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    The Pope Firm is an experienced commercial and bankruptcy litigator, with corporate, lending and accounting backgrounds and experience in workouts and restructuring. We have industry qualifications in many of the sectors which are currently experiencing challenges, e.g., trucking, real estate, small businesses, and financial concerns.

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    Frequently Asked Questions

    A Chapter 7 bankruptcy involves the complete liquidation of your assets as an individual with the sole exception of a limited amount of exemptions offered within the state.

    If any assets are remaining after the exemptions have been put through, then they will be sold by the state’s trustee and the profits distributed to your creditors.

    A Chapter 13 is available to private individuals and married couples and is mostly used to prevent foreclosure on a home. You’ll definitely need an experienced legal aid in these cases since you’ll have to work together with the court in order to create a plan which is manageable with your finances.

    Debt settlement can be a viable option if you want to reduce what you owe to creditors. A reputable debt settlement company or attorney will also be able to give you a timeline and projection for the length of the repayment and financial obligations. That way, you have a clear picture when it comes to expectations and preparing for the future.

    The process is exponentially more straightforward when you have a financial expert on your side. A legal representative can assist you when it comes to navigating the hurdles of settling and repayment. This expertise can ensure you get a settlement that works on your terms, not the other way around.

    For instance, a representative will make you produce competitive offers during your debt settlement. That can include details from the lump sum payment total to the interest rate. Plus, bankruptcy attorneys have clout when it comes to dealing with creditors and lenders so you can rest assured knowing they will protect you in case of threats or harassment.

    A Chapter 11 bankruptcy is a motion to reorganize a business and keep it running and solvent while arrangements are made with creditors to pay off a percentage of the debts without them seizing assets. In essence, it’s a reorganization of the existing business structure to allow things to keep functioning while absolving some of your debts.

    Debt settlement is a way of reducing your outstanding balance. This process typically involves unsecured debts, such as medical bills, court-ordered child support, and credit card bills. It doesn’t work for all obligations, including federal student loans and mortgages.

    The settlement involves you or a representative negotiating with the creditors and lenders to settle what you owe. For instance, if you owe $20,000, you might agree to pay $10,000 as a lump sum. The settlements will repeat themselves for every financial institution that you owe.

    Keep in mind that debt settlement is not the equivalent of a pause button. You may still be collecting late fees and interest penalties on your obligations. If you believe debt settlement is the right option for you, act swiftly and call an expert today.

    When your business can no longer pay off its debt, bankruptcy is the legal process to take. There are different forms, including Chapter 7 and Chapter 13. Each has different characteristics based on the issue the business is facing.