Debt Defense and Collections...

We Can Help Stop:

• Creditor Harassment

• Foreclosure

• Repossession

• IRS Collections

• Lawsuits And More

Bankruptcy...

We help you navigate the maze of bankruptcy laws to more effectively quickly get you back on your feet. Please click on our Bankruptcy Questionnaire to see if you should consider bankruptcy.

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Wrisinger Law Firm is a federally designated debt relief agency. 

Wrisinger Law Firm helps people seek bankruptcy protection when appropriate and only after consultation.

Stop Foreclosure and Repossessions

Bankruptcy provides for an automatic stay, which halts all collection efforts including foreclosure sales. Upon notification of a bankruptcy filing, mortgage creditors are REQUIRED to remove a scheduled foreclosure sale from the foreclosure docket

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Chapter 7 Bankruptcy

The biggest advantage of filing under Chapter 7 is that you can get a fresh start in your financial life within 4 to 6 months. Under this chapter, it is possible to liquidate all your unsecured debt - such as credit card bills, signature loans, payday loans and medical bills - where you have not given any collateral.

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Chapter 13 Bankruptcy

This chapter of bankruptcy allows the Debtor to keep property that has delinquent payments. Filing under this chapter will help you save your assets from falling into your creditor’s hands. Once you file for bankruptcy under Chapter 13, your creditors will no longer be able to contact you at your home or office in an effort to collect.

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Bankruptcy Myths

You know all those bad things you’ve always heard about Bankruptcy? Most of them are FALSE and I can prove it to you. Read more to find out about the Top 15 Myths About Bankruptcy that your
creditors don’t want you to know.

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Should I consider bankruptcy?

Consider the questions listed below. If you answer yes to three or more of the questions, you will probably want to speak with a bankruptcy lawyer right away. We can help. For a thoughtful, caring assessment of your situation and your options and for answers to your bankruptcy questions, contact our law office today.

• Is your debt over $5000, not including your car or your house?
  
  
• Are you frequently late on payments?
  
  
• Do your payments account for over 25 percent of your take home pay?
  
  
• Do you pay over 20 percent interest on your debt?
  
  
• Do you buy necessary items, such as food and clothing, on credit?
  
  
• Have you considered taking out a loan to pay other loans?
  
  
• Are you receiving harassing calls from creditors?
  
  
• Do you make regular payments without your balances going down?
  
  
• Do you have payments that are over one month behind on more than one bill?
  
  
• Are your wages being garnished?
  
  
• Are you being sued?
  
  
• Have you been turned down for credit?
  
  
• Are you frequently getting cash advances?
  
  
• Are you without any savings?
  
  
• Is your car worth more than you owe?
  
  
• Is your mortgage or rent frequently late?
  
  
• Do you have high medical bills that are not being paid by insurance?
  
  
• Do you owe income taxes you cannot pay?

If you are able to answer yes to three or more of these questions, you may need to file bankruptcy. Contact us today to take advantage of a free office consultation and personalized evaluation from an honest, caring bankruptcy lawyer.

The total time for a standard Chapter 7 bankruptcy is approximately four months. However, the debtor receives the benefit of an automatic stay immediately after the petition is filed. The automatic stay means that creditors are generally not allowed to collect any debts from the debtor. The phone calls from creditors can end immediately.

Call TODAY to schedule a consultation.