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BANKRUPTCY SERVICES FOR FINANCIAL FREEDOM

Most people who file for bankruptcy relief keep their homes, automobiles, furniture, clothing, jewelry, pension and 401(k) retirements. Newspapers almost never publish the names of people who have filed for bankruptcy and in Chapter 7 bankruptcy cases, the Court does not notify employers.

Life’s unexpected turns, whether the loss of a job, a medical situation, a divorce, a bad business decision, or other personal circumstance, can bring on a heap of debt that you are unable to pay off. Situations like these happen to millions of people just like you every year. You definitively can eliminate your fears that the bank will sell your home, that a uniformed and armed sheriff will come to your house or place of employment causing embarrassment by serving you papers in front of your neighbors or coworkers, or that the bank will repossess your automobile.

Immediate help is available. Attorney John S. Simonian, a RI bankruptcy lawyer and a MA bankruptcy lawyer, provides bankruptcy services that will bring you debt relief so your life can return to normal. As a bankruptcy attorney in Rhode Island and a bankruptcy attorney in Massachusetts, Attorney Simonian offers the following bankruptcy services in both the states of Rhode Island and Massachusetts:

STOPS FORECLOSURES

If your home, land, or other property is at risk for foreclosure, Attorney Simonian can start legal proceedings and immediately stop foreclosures. The Bankruptcy law is on your side, allowing you, in most cases, to keep your home and other property after filing bankruptcy. Unsecured second mortgages can be removed through the bankruptcy process as well, so you only need to pay down the original mortgage. With multi-family homes, Attorney Simonian has debt relief solutions that can reduce the amount owed on a first mortgage. Regardless of your situation, and whether it is a foreclosure in RI or a foreclosure in MA, Attorney Simonian can prevent you from losing your home if you are facing foreclosure.

PROVIDES CREDIT CARD DEBT RELIEF

If credit card debt overwhelms you, the law has ways to bring you back to normal. If your quality of life has diminished because you use all of your income to pay down credit cards, you can either erase your unsecured debt completely or set up a fair and manageable repayment plan. The RI bankruptcy firm of Attorney Simonian will evaluate your circumstances and recommend the best route for you. He will also present you with options to address late fees, interest penalties, harassing phone calls, threatening letters, court summons and lawsuits from creditors.

STOPS REPOSSESSIONS

Utilizing bankruptcy services to get your life back on track means no longer worrying whether your car or other property will be repossessed. In almost all cases, bankruptcy law allows you to keep your car and other property while getting back on solid financial footing. If you are behind on your car payments, Attorney Simonian can discuss the options available to you and explain how you can immediately stop repossessions and other collection procedures.

CANCELS ARREST WARRANTS

State Courts routinely issue civil arrest warrants for people in debt who fail to appear for scheduled court hearings. If a Court has issued a warrant for your arrest for failure to appear for a hearing on a collection lawsuit against you, Attorney Simonian can get that warrant canceled immediately for you. This gives you instant protection from a Sheriff who may be looking for you.

ENDS WAGE GARNISHMENTS

In challenging times, making ends meets is hard enough without money being deducted from your paycheck for prior debts. By taking advantage of certain bankruptcy options, you will stop existing wage garnishments or prevent creditors from requiring your employer to deduct wages through a court order.

ELIMINATES TAXES OWED TO THE IRS AND THE STATE

If back taxes are decreasing your paycheck beyond what you can afford to live on, it may be time to consider other options. Attorney Simonian can discuss with you bankruptcy services that will discharge you from paying past due tax obligations. Available alternatives address overdue federal and state income taxes so that tax garnishments from your paycheck will stop.

RECOVERS YOUR DRIVER’S LICENSE

If you caused an accident while uninsured or underinsured and lost your driver’s license because you were unable to pay bodily injury or property damages, Attorney Simonian can assist you in getting back your driver’s license.