• Have you lost your job and are behind in your credit card payments?
• Has a judgment been entered against you or the company that you own?
• Have your wages been garnished?
• Is there a foreclosure sale pending on your property?
• Excessive medical bills?

The Law Offices of Steers & Associates can help you solve your financial problems faster than you think! We can immediately stop your worries by stopping foreclosure, creditor threats, wage garnishments, lawsuits, etc.

Don’t delay, call us today to set up an appointment for a free consultation.
 
Some of the areas of debt relief services which are available through the firm are as follows:

Debt Negotiation

Your creditors are contacted individually by a staff attorney. In many cases, creditors accept less than a full balance due on an account and will report a favorable rating to credit reporting agencies as a condition of settlement.

Chapter 7

Chapter 7 or “straight bankruptcy” is designed to eliminate unsecured non-priority debt. These types of debt are wiped out forever. The firm is dedicated to proper pre-filing planning to assure our clients that they protect all of their property.

Chapter 11 Small Business Reorganization

Chapter 13 Reorganization

A Chapter 13 Reorganization is designed to assist individuals in becoming debt free in a short time , usually 36 months, but no longer than 60 months.

Questions and Answers

Q.  Is it true that under the new bankruptcy law, I will be forced to repay my debts?

A.   In most cases, consumers are still able to eliminate their debt by filing Chapter 7 bankruptcy. It is important, however for you to consult an experienced bankruptcy attorney to properly analyze your particular situation to ensure that you will be able to get rid of your debt and at the same time keep your assets.

Q.  I was sued and a judgment was obtained against me. The judgment creditor recorded an abstract of judgment lien on my home. Can this be removed?

A.  In most instances it can be at least partially removed. There are lien avoidance procedures available under the bankruptcy laws which allow for the removal of many liens.

Q.  Can a bankruptcy stop a lawsuit?

A.  The filing stops most legal proceedings against you including wage garnishments.

Q.   Can you stop my creditors from garnishing my wages?

A.   Yes. Garnishments can be terminated immediately when your bankruptcy petition is filed with the Court.

Q.   Can you stop my home from being foreclosed?

A.   Yes. Chapter 7 can be used to temporarily stop foreclosure activity against your real property. Chapter 13 can also be utilized to pay back your mortgage arrearages as well as arrearages on property taxes and homeowners association dues.