Chapter 7 – Bankruptcy
Chapter 7 bankruptcy is a process provided by United States federal law which entitles you to a fresh start. Chapter 7 may eliminate most kinds of unsecured debt. Some examples of unsecured debts include credit cards; most personal loans; medical bills; judgments resulting from car accidents; and repossessed vehicle deficiencies. In addition to getting rid of your debt, you can typically keep most, if not all, of your property. As long as your automobile and mortgage payments are current, and there is no significant equity in your property, then there should be no problem making the arrangements for you to reaffirm the debt. Keep your home, keep your car, keep your personal belongings, but eliminate your debt – that is our ultimate goal. Hemming & Associates may be able to use Chapter 7 to stop creditor harassment, stop garnishments, end or suspend lawsuits, and eliminate repossession debt.
Chapter 13 – Debt Repayment Plans
Chapter 13 is an interest-free debt repayment plan used to consolidate your debts. Payments are to be made over a 3 to 5 year period. While you are securely within your Chapter 13 debt repayment plan, your creditors cannot collect from you. Furthermore, your creditors are must adhere to the terms of the plan. It is important to note that you must be employed or have a consistent source of income, in order for the Court to approve your Chapter 13 repayment plan. In other words, you must be able to afford your monthly living expenses and consolidation payments. A Chapter 13 repayment plan is an effective tool to stop foreclosure, prevent vehicle possession, consolidate student loans, and protect co-signers.
Other Legal Services
WORKERS’ COMPENSATION
Workers’ compensation refers to a system of laws outlining specific benefits to which injured employees are entitled, and the procedures for obtaining such benefits.
PERSONAL INJURY
Personal injury cases are legal disputes that arise when a person suffers harm from an accident or injury,
BUSINESS LITIGATION
Implied by law, a covenant of good faith and fair dealing. Often times, when a consumer or a business is mistreated by their insurance carrier, this covenant of “good faith” and “fair dealing” has been violated.
CRIMINAL DEFENSE
When a society and its government decide that certain conduct is dangerous to citizens, or damaging to the society as a whole, such conduct is labeled a “crime” and is made punishable by sanctions such as fines and imprisonment.
PROBATE & ESTATE PLANNING
Probate is the process of transferring the legal title of property from the estate of the person who has died (known as the “decedent”) to his or her proper beneficiaries.