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Welcome to the web site of Attorney Brad Kurlancheek, Esq.
This web site was created to help you learn about Chapter 7 bankruptcy. Here you will find information about the process, your legal rights, Attorney Brad Kurlancheek, and the fees and costs to file bankruptcy.
Bankruptcy is a right for consumers enforced by the federal government, mandated by statute under the
U.S. Bankruptcy Code, which purpose is to provide protection from creditors, for people in financial jeopardy, who have more debt than they’re financially able to pay back.
WHEN SHOULD IT BE CONSIDERED?
Sometimes the unexpected HAPPENS. Job loss, marital separation, divorce, illness, sudden increase in heating and gasoline bills. In such instances, it is not unusual for payments on debt to exceed income. The next thing that happens, is that creditors are calling you all hours of the day, at home and/or at work, or, you might even find yourself served with a lawsuit, then a judgment, then seizure of property.
SOMETIMES YOU RUN OUT OF CHOICES, OUT OF BACK DOORS
Bankruptcy is often not the most desirable way to handle your finances, but when there are no other choices, it is sometimes an effective way to get a fresh start, to have a 2nd chance, and begin anew. It ends the phone calls, ends the lawsuits, and gives you a chance to spend your income on the things that matter - family, housing, food, school, clothing, utilities - instead of what often seems like a waste of your money and time - credit card interest, late fees, and penalties.
EXPERIENCE
Since 1995 I've helped over 1,500 clients gain a FRESH START through the filing of Chapter 7 bankruptcy. 80% of my practice is dedicated to the practice of representing consumers debtors overborne with debt. In practically every case, my clients have kept all their personal property, and in most cases, their home as well, while at the same time, they were able to get rid of all unsecured debts (credit cards, past due rent, medical bills, department store charges, mail order retail accounts, finance company loans, utility bills, and personal loans.)
RELIEF FROM CREDITORS
Bankruptcy STOPS creditors from calling, writing or suing you... forever. EVEN UNDER THE NEW LAW. The truth is that the new law is not much different than the old one. Bankruptcy is still bankruptcy: Folks who have too much debt and have run out of ways and resources to pay that debt back, due to job loss, illness, separation or divorce, or plain old "money mismanagement," are still fully entitled to have the US Bankruptcy Court declare that debt "discharged," as in, eliminated.
NO NEGATIVE TAX CONSEQUENCES
You never have to pay the money back. With steady income, within 6 months after bankruptcy, you should once again be able to qualify for new car or home loan credit. And your creditors (which you had before filing bankruptcy) are forever barred from contacting you in any way, or intentionally stating on your credit report that you owe them money, after they have received notice from the bankruptcy court that you do not. Calls, letters, or personal visits are strictly prohibited!! For a creditor to violate these precepts is against federal laws. There are steep penalties.
For more
info, contact me at 570-825-5252, 1-800-324-9748 or by email.
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