The most common reasons for filing are job loss, catastrophic illness, divorce, business failure, high credit card fees and predatory lending practices.

My name is Richard Birkenwald, and I have successfully represented over 1,400 clients with bankruptcy matters with confidence, ease and integrity.

My practice involves the preparing and filing of Chapter 7 and Chapter 13 which are the two main chapters.

Chapter 7 is a liquidation of debts while Chapter 13 is a reorganization where the debtor creates a three to five year repayment plan. Immediately upon filing an automatic stay goes into effect provided you have not been involved in the filing of recent bankruptcy cases. This provision prevents creditors from making direct contact with you or staking a claim to any of your property from the date of filing.

When you contact my office, I will help you determine your best option available and answer questions such as:

"Will I lose my house?

Can I stop foreclosure?

What will happen to my credit?

Can I stop repossession of my car?

I do not feel comfortable filing for bankruptcy?

Can I stop creditors from garnishing my salary?

Can I stop threatening calls from collection agencies?

My driver's license was suspended because of an accident. Can it be reinstated in bankruptcy?"

 

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The hiring of an attorney is an important decision that should not be based solely on advertisement. Before you decide ask us to send you free written information about our qualifications and experience.