People find themselves unable to pay their debts for a number of reasons, such as job loss, divorce, illness, or simply accruing too much debt. They are then subject to relentless and aggressive actions by creditors, including harassing phone calls and letters, lawsuits, repossessions, foreclosures, and wage garnishments.
Finding oneself in this situation can be overwhelming.
Fortunately, bankruptcy can provide instant relief, protection of your assets and a fresh start.
The moment a bankruptcy petition is filed, a debtor is protected by the automatic stay, which prohibits creditors from making any collection efforts – stopping the harassing phone calls and halting lawsuits, repossessions, evictions, wage garnishments, bank account and personal property levies, sheriff’s sales, and other seizures of the debtor’s property.
The attorneys at Wisniewski & Associates, LLC® are experienced in bankruptcy. We take the time to thoroughly review all aspects of your situation to determine the best possible solution. We are here to advise and represent individuals in obtaining relief from their debts through bankruptcy:
There are many misconceptions and myths about bankruptcy. For example, homeowners may believe that they will not be able to keep their homes if they file for bankruptcy. But there are bankruptcy options that allow homeowners to keep their homes, and bankruptcy may even allow a homeowner who has fallen behind on mortgage payments to avoid foreclosure.
Call Wisniewski & Associates, LLC® at our offices in Sayreville at 732-387-5751 or contact us online to schedule a consultation with a bankruptcy attorney.
We are a federally designated debt relief agency, proudly helping people file for relief under the Bankruptcy Code.