Have you ever found yourself in a position of not being able to pay your bills because of circumstances beyond your control? Maybe you suffered from a medical problem and you are being crushed under the weight of all the medical bills.  Perhaps you lost your job and no longer have the ability to pay your everyday living expenses. If you are in a situation where you simply cannot pay your bills, our attorneys at LOMBINO ∙ MARTINO are here to help you. You may be eligible for Federal Bankruptcy protection.  Chapter 7 of the United States Bankruptcy code provides an opportunity for some people to discharge most, if not all, of their unsecured debt, including credit cards and medical bills. Upon the filing of a Bankruptcy Petition, your creditors will no longer be able to harass you, try to collect on their debts or garnish your wages (this is known as the “automatic stay”). In addition, you may very well be able to keep your home, vehicle and other possessions that are important to you. The United States Bankruptcy code not only allows debtors to discharge their debt, it allows a debtor to begin rebuilding their credit very quickly!  In most cases, you could expect your Chapter 7 Bankruptcy case to be completed and resolved in 3 to 4 months. Federal Bankruptcy protection can provide a “fresh start” in your life.

Filing for bankruptcy can be a complicated process. There are formulas to follow, schedules to complete and Federal Laws to which we carefully adhere. It is important that you have attorneys in your corner who have a complete and thorough understanding of the law and process involved as well as the experience to make a positive difference in your life. Our attorneys and staff at LOMBINO ∙ MARTINO will take the time to work with you and answer all of your questions. We can provide you an honest assessment of your situation and provide you with all of your options and alternatives, including alternatives to Bankruptcy. We will do our best to take a stressful situation and make it easier for you.

Give us a call if we can help.