Bankruptcy Lawyer Near Me

Bankruptcy Lawyer Near Me

Life has gotten you down and your are unable to pay your bills and now the creditor is suing you and now you have to do something.  What do you do?

The Summons, paperwork from the Court stating you are big sued, arrives at your house.  You now have 28 days to respond to the Complaint filed with the Court by the creditor.  That means filing an Answer with the Court detailing your responses to the Complaint.  If you do not file and Answer within the right amount of time then the creditor can ask the Court for a Judgment by Default because you did not respond to the Complaint.  If the creditor gets the a Judgment against you they can seek payment through wage and bank account garnishment and placing a Judgment Lien on your home and car.  Once the creditor starts collecting tactics you lose a lot if not all negotiating power.  You do not want this to happen to you

So what do I do?

  1. Hire an bankruptcy lawyer to file an Answer or negotiated a payment plan with the creditor.
  2. If yon choose to file and Answer and take the matter to litigation in Court your attorney can review the claims of the creditor and prepare for trial if it is warranted.
  3. If you take the matter in front of the Court and you lose you will have a Judgment against you and the creditor can start garnishment and filed Judgment Liens If you win then the debt goes away.

You have a Judgment against you so now what can you do?

  1. If the creditor has not started collections then you or your attorney acting for you can reach out to the creditor or their attorney and set up a payment plan.
  2. If the creditor has started collection you can either pay the debt through the collection process being used, you can pay the Judgment off in a lump sum or you can file bankruptcy to eliminate the debt.

If you chose to use the Bankruptcy Laws to eliminate the debt Moseman Law Office can help you.  We can help you navigate the legal system and use the laws for your benefit to get you a fresh start.  Contact Moseman Law Office at 440-255-0832. Bankruptcy Lawyer Near Me