Fisher-Sandler, LLC

Chapter 7 bankruptcy ,also known as straight bankruptcy or liquidation bankruptcy, typically results in most of your debts getting discharged in about three months. While it is called “liquidation”, most people mistakenly believe that they are going to lose all of their possessions by filing. That is not true. Imagine that you are debt free in only three months- that’s what happens in most chapter 7 bankruptcy cases. Additionally, filing either chapter 7 or chapter initiates the automatic stay, which gives you immediate relief from your creditors, stopping lawsuits, garnishments, repossessions and foreclosures. Your creditors are not even allowed to send you a bill in the mail or call you on the phone- that’s right, an end to those non-stop phone calls. Along with several other technical exceptions, all of your debts will be discharged except for a). Child support b). Student loans c). Recent taxes (3 Years) d). Most traffic tickets and criminal fines.

A person may file a Chapter 13 bankruptcy case for a variety of reasons. Several prime examples are:A person may make too much money to qualify for Chapter 7 bankruptcy;A person may have too much non-exempt property that would be lost to the trustee in a Chapter 7 bankruptcy case;To pay off taxes that would not be discharged in a Chapter 7;To stop a foreclosure sale and get caught up on mortgage payments;To strip off liens on real estate that are wholly unsecured.Whatever the reasons, filing a Chapter 13 bankruptcy case can be a very complicated undertaking. Chapter 13 allows a person to reorganize their debt into a payment plan that fits their budget and typically lasts three to five years. Rather than paying dozens of different creditors every month, you will send in one payment to a court-appointed trustee, who then disburses payments to creditors. The monthly payment is your disposable income, which is your monthly income minus necessary living expenses.

An uncontested divorce can be completed in less than a month. We can provide you with affordable representation to complete the process in a quick and painless manner. If you thought that getting a divorce had to take a long time and would cost a small fortune, you’ll be happy to hear that is not true. If you and your spouse have already worked out the property, support and custody issues in your marriage, than you can be divorced quickly and inexpensively. Likewise, if you don’t know where your spouse is, you can still obtain a divorce more easily than expected. After getting all of the necessary information from you to draft the paperwork, a Complaint is filed with the court outlining the facts of the case and why you want a divorce. At that point your spouse would sign several papers if he/she is available to do so. After that we can wrap up your paperwork in a few days and submit it all to the court to be signed by the judge.