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BANKRUPTCY
We help you file for bankruptcy relief under the Bankruptcy Code
Bankruptcy law is a powerful law designed to help you resolve your financial distress and get a fresh start. Unfortunately, about one-fourth of all bankruptcies filed without an attorney are dismissed. When that occurs, not only does one lose his or her chance at a clean financial slate, but a bankruptcy filing still shows up on a credit report. Also, if you do not complete your bankruptcy forms accurately, you could be subject to criminal liability. Retaining a knowledgeable attorney to represent your interests is advisable. The Luccitti Law Firm will take the steps necessary to protect your interests.
The Benefits of Filing for Bankruptcy
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avoid foreclosure
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no lawsuits
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protect yourself and your business
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Get a 'fresh start'
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stop wage garnishment
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no more harassing calls from creditors
How It Works
1. We offer a free telephone consultation to review your financial situation and to determine whether a bankruptcy filing is best for you – not everybody needs to file. We can then discuss the different bankruptcy chapters to decide which one is best for you and your family.
2. You will meet for a one-on-one consultation with the attorney, Mr. Luccitti. There are two main chapters of bankruptcy code available to individual consumer debtors, and your attorney will review your situation and recommend the best course of action available to you. If you have a a business, we can discuss with you the benefits of a Chapter 11 business reorganization.
3. We will ensure that the documents to be filed are accurate and in the proper form. We will file the documents and represent you in all court appearances including the meeting with your creditors, as well as any hearings concerning motions made by any of your creditors.
4. After collecting your financial data with your assistance, we will draft your bankruptcy papers, review them with you, and then file them for you. We will then represent you at the meeting of the creditors, where the court-appointed trustee reviews the information you have provided and will ask questions regarding your case. Creditors have the right to appear at this meeting and ask questions.
5. When we file your Chapter 7 or Chapter 13 case, an automatic stay takes effect automatically and immediately, which prohibits any of your creditors from contacting you or taking any action to collect your debt. This is an important benefit that will end creditor harassment and stop a civil action and judicial wage garnishment. If a creditor is belligerent, we can remind them of the Bankruptcy Stay and their violation of it, and then seek punishment against them for knowingly and willingly violating federal law.
We feel that open communication with our clients is extremely important. Your phone calls will be returned promptly, and you will be kept informed about the status of your case. We will treat you with the respect that you deserve. Our goal is to make this time of your life as stress-free as possible.