Are your personal finances and debts causing you to lose sleep? Are family finances and overwhelming debt causing stress in your family and personal life? Federal and State laws and procedures may offer you and your family a fresh start. Please contact Attorney Pendleton to schedule a free consultation to discuss your financial situation and federal bankruptcy laws. Educate yourself as to unfair debt collection laws and practices. By taking affirmative action you can address the stress, sleepless nights, harassing phone calls as well as the various threats of legal action and lawsuits. Let us help you review your options under Federal and State laws, including Chapter 7 and Chapter 13 personal bankruptcies.

A Chapter 7 petition for bankruptcy results in a discharge or release from all debts that you may have. A Chapter 13 petition for bankruptcy has a goal of getting approval for a repayment plan for existing debts and/or creditors. The repayment plan is designed to allow you to make payments over a span of three to five years to your creditors at a rate that you can afford. The goal in a Chapter 7 bankruptcy is to wipe out all of your debts, but in the process this can require you to give up certain property. A Chapter 13 plan may be more appropriate when you do not want to give up certain property such a home in which you have substantial equity which creditors might otherwise be able to attach.

We are a debt relief agency under the United States Bankruptcy Code. We help people file for bankruptcy under the Bankruptcy Code. We look forward to trying to assist in addressing your financial obligations.

Please feel free to contact Attorney Pendleton by email at jpendleton@granitestatelawyers.com or by telephone at (603) 433-7105