CHEAP, LOW-COST BANKRUPTCY LAWYERS
& Legal Aid, Pro Bono Assistance in the U.S.
Bankruptcy LawyersBankruptcy Lawyers help you get financial relief, wipe out debts, fight credit harassment and find peace of mind to start over.
When individuals or business own more money than they can afford to pay, the solution may be to declare bankruptcy.
BANKRUPTCY is a federal system of statues and courts that permits individuals and business which are insolvent or, in some cases, face potential insolvency to place their financial affairs under the control of the bankruptcy court.
It is a legal procedure that relives debt.
TYPES OF BANKRUPTCY
The most common petition is under Chapter 7, in which a trustee is appointed by the court. The current assets (with many of them exempt from bankruptcy) are counted up by the trustee who pays debt with the extent possible with priority for taxes, then secured debts(mortgage or some judgments) and finally unsecured debts.
Chapter 11 bankruptcy allows a business to refinance and reorganize in order to be able to prevent final insolvency.
Chapter 13 bankruptcy: similar to chapter 11 but caters to individuals who can work out payment schedules. With this court-supervised plan you don't lose all your possessions and your credit score is not as seriously damaged as it is with total bankruptcy.
A declaration of bankruptcy will stay in your credit report for 10 years. During that period, it will be extremely hard or even impossible to borrow money or get credit.
Child support, alimony, taxes, fraudulent transactions and most student loans are NOT dischargeable in bankruptcy.
Finding a good and free bankruptcy lawyer in the US requires thorough research and consideration of available resources.
By utilizing legal aid organizations, bar associations, online directories, and community resources, individuals facing financial difficulties can access the legal representation they need to navigate the bankruptcy process successfully. Remember to prepare for your initial consultation with a bankruptcy lawyer by gathering necessary financial documents and being ready to discuss your situation openly. Hiring a competent bankruptcy lawyer can make a significant difference in achieving a positive outcome and obtaining financial relief.
CHEAP, LOW-COST BANKRUPTCY LAWYERS IN THE US
ALABAMA: Birmingham, Montgomery, Mobile, Huntsville, Knoxville,, ALASKA: Anchorage,
ARIZONA: Phoenix, Scottsdale, Gilbert, Chandler, Mesa, Tucson,,
ARKANSAS: Little Rock,,
CALIFORNIA: Los Angeles,, Oakland,, San Diego, San Jose, San Francisco, San Bernardino, Fremont, Glendale, Irvine, Chula Vista, Stockton, Riverside, Santa Ana, Anaheim, Bakersfield, Long Beach, Sacramento, Fresno, Oxnard, Huntington Beach, Glendale,,
COLORADO: Denver, Aurora, Colorado Springs,
CONNECTICUT
DELAWARE
FLORIDA: Miami, Jacksonville, Hialeah, Port St Sucie, St Petersburg, Orlando, Tampa, Tallahassee,
GEORGIA: Atlanta, Columbus, Augusta,
HAWAII: Honolulu,
IDAHO
ILLINOIS: Chicago, Aurora,
INDIANA: Indianapolis, Fort Wayne, Oakland,
IOWA: Des Moines,
KANSAS: Wichita,
KENTUCKY: Lexington, Louisville,
LOUISIANA: Baton Rouge, Shreveport,
MAINE: Portland,
MARYLAND: Baltimore,
MASSACHUSETTS: Boston,
MICHIGAN: Detroit, Grand Rapids,
MINNESOTA: St Paul, Minneapolis, Rochester,
MISSISSIPPI
MISSOURI: St-Louis, Kansas,Kansas City,
MONTANA
NEBRASKA: Lincoln,
NEVADA: Reno, Henderson, Las-Vegas,
NEW HAMPSHIRE:
NEW JERSEY: Jersey, Newark,
NEW MEXICO: Albuquerque,
NEW YORK: Buffalo, Rochester, Yonkers,
NORTH CAROLINA: Raleigh, Charlotte, Winston Salem, Durham, Greensboro, Fayetteville,
NORTH DAKOTA:
OHIO: Columbus, Cleveland, Toledo, Cincinnati, Akron,
OKLAHOMA: Tulsa, Oklahoma City,
OREGON: Portland,
PENNSYLVANIA: Philadelphia, Pittsburgh,
RHODE ISLAND:
SOUTH CAROLINA
SOUTH DAKOTA
TENNESSEE: Nashville, Memphis
TEXAS: El Paso, Arlington, Houston, San Antonio, Dallas, Austin, Fort Worth, Irving, Garland, Lubbock, Laredo, El Paso, Fort Worth, Plano, Corpus-Christi, Amarillo, Grand Prairie,
UTAH: Salt Lake City,
VERMONT
VIRGINIA: Richmond, Chesapeake, Norfolk, Virginia Beach,
WASHINGTON: Seattle, Spokane Tacoma,
WEST VIRGINIA:
WISCONSIN: Madison, Milwaukee,
WYOMING
How to Find Good and Free Bankruptcy Lawyers in the US
In the United States, finding a competent bankruptcy lawyer who offers free services can be a daunting task for individuals facing financial difficulties. However, with the right approach and resources, navigating this process can become more manageable. This article serves as a comprehensive guide on how to locate reliable bankruptcy attorneys who provide free services in the US.
Understanding Bankruptcy Law
Before delving into the process of finding a bankruptcy lawyer, it's crucial to have a basic understanding of bankruptcy law in the United States. Bankruptcy laws are governed by federal statutes and are designed to help individuals and businesses struggling with overwhelming debt to obtain relief by restructuring or eliminating their debts.
Importance of Hiring a Bankruptcy Lawyer
Hiring a competent bankruptcy lawyer is essential for individuals navigating the complex legal procedures associated with bankruptcy. A skilled attorney can provide invaluable guidance throughout the process, ensuring that your rights are protected and that you achieve the best possible outcome for your financial situation.
Bankruptcy attorneys will help you file for bankruptcy relief under the bankruptcy code which can solve your financial and debt problems.
A knowledgeable Bankruptcy Lawyer or law firm will:
- Offer free phone and live consultations
- Offer payment plans, low, affordable fees
- Eliminate or reduce IRS debt
- Help you retain your income, pension, 401K and assets
- Stop creditor harassment, vehicle repossession, wage garnishments
- Help you save your home and/or business
- Stop law suits and levies
- Help you reorganize debts
- Offer a personalized service
- Help you with medical bills
- Offer prompt and courteous services
- Emergency bankruptcy filling
Some bankruptcy attorneys and law firms also offer a free credit repair kit when the case is finished.
Choose a lawyer that is a nationally certified consumer bankruptcy specialist.
How to Find Free Bankruptcy Lawyers
Finding a bankruptcy lawyer who offers free services requires careful research and consideration. Here are some effective strategies to help you locate these legal professionals:
- Legal Aid Organizations: Many legal aid organizations offer free or low-cost legal services to individuals in need, including assistance with bankruptcy cases. These organizations typically have a network of pro bono attorneys who volunteer their time to help those facing financial hardship.
- Bar Associations: Local bar associations often have referral services that can connect you with bankruptcy lawyers who offer free initial consultations or reduced fees based on your income level.
- Online Directories: Utilize online directories and legal aid websites that specialize in connecting individuals with free legal services. These platforms allow you to search for bankruptcy lawyers in your area who offer pro bono assistance.
- Community Resources: Community centers, libraries, and nonprofit organizations may also provide resources and referrals for individuals seeking free legal assistance, including bankruptcy representation.
FAQs About Finding Free Bankruptcy Lawyers
Q: Can I file for bankruptcy without a lawyer?
A: While it is possible to file for bankruptcy without legal representation, it is not recommended due to the complexity of bankruptcy laws and procedures. Hiring a knowledgeable bankruptcy lawyer significantly increases your chances of a successful outcome.
Q: What qualifications should I look for in a bankruptcy lawyer?
A: When searching for a bankruptcy lawyer, look for someone with experience in handling bankruptcy cases, a good reputation within the legal community, and a commitment to providing quality representation to clients.
Q: Are there income eligibility requirements for free bankruptcy legal services?
A: Income eligibility requirements for free bankruptcy legal services vary depending on the organization or program providing assistance. Some programs may have specific income thresholds, while others may consider factors such as household size and financial hardship.
Q: How can I prepare for my initial consultation with a bankruptcy lawyer?
A: Before meeting with a bankruptcy lawyer for an initial consultation, gather relevant financial documents, such as tax returns, pay stubs, and bank statements. Be prepared to discuss your financial situation openly and honestly to receive the best possible advice and guidance.
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