Winston-Salem Bankruptcy Lawyer
Personal Representation for Your Bankruptcy
If you are struggling to pay your bills on time while still putting food on the table, you are like many other Americans who are facing the effects of the economy. Although unemployment rates in Winston-Salem, North Carolina are on a current downward trend, unemployment reached an astounding 10% in 2011. Many individuals have lost their jobs or are suffering from another cause of unexpected income loss. No matter what the specific issue, our Winston-Salem bankruptcy lawyers can guide you through debt relief with bankruptcy. At Love & Dillenbeck, PLLC, we do everything in our power to help you effectively discharge your debts through the North Carolina bankruptcy process.
Our firm is dedicated to serving the needs of consumers throughout Winston-Salem, North Carolina. We specialize in Chapter 7 and Chapter 13 bankruptcy cases but can also assist with Chapter 11 and other debt-related legal matters. Our firm is comprised of Attorney Kenneth Love and Attorney Sean Dillenbeck. We can help you through all aspects of bankruptcy, including filing the petition and fighting for your debt relief before the court. Individuals who are weary of bankruptcy or influenced by bankruptcy myths can schedule a free case evaluation with our firm to gain an honest insight into their circumstance. This can be accomplished over the phone or in person for the client's convenience and will include a realistic assessment of their case.
How Bankruptcy Works
Bankruptcy is a process that consumers and businesses can pursue to eliminate debts or structure a reasonable repayment schedule to pay off debts. Chapter 7 and Chapter 13 are the most common forms of bankruptcy which aim to eliminate a consumer's debts. Chapter 7 is the liquidation form of bankruptcy and Chapter 13 is for repayment. The process you take primarily depends on the results of the means test. If the test disqualifies you for Chapter 7 bankruptcy, you may be able to file Chapter 13 bankruptcy. In some cases, the consumer can make the choice of which method to pursue. At Love & Dillenbeck, PLLC, we are here to help you obtain the best possible result from bankruptcy.
Benefits of Bankruptcy
After bankruptcy, you will reap many benefits which can improve your life and help you become financially sound. Immediately after beginning the bankruptcy process, creditor harassment is required to end. If a debt collector has been insistently contacting you or harassing you in any manner, this behavior must cease at the commencement of bankruptcy. Bankruptcy is also a method of foreclosure defense if the bank is threatening to take your home due to missed mortgage payments. All attempts at repayment must end as soon as bankruptcy begins. Repossession defense is a benefit of bankruptcy for those who are facing high payments on their vehicle. Another harassing measure that must end at the start of bankruptcy is wage garnishment. As your creditor takes action to obtain debts, you must pursue measures of protection through bankruptcy.
Financial Freedom is Just One Call Away
We are available to help you through each step of the bankruptcy process. Our firm can help you achieve the debt relief solution you need as you pursue improvement to your financial situation. We are dedicated to those we serve and their pursuit of financial freedom. Whether your family or business needs to pursue bankruptcy, you can obtain clear-cut and realistic answers from our firm. We offer you needs-based bankruptcy representation that is specific to your case. Our firm can tailor a personal approach to each client's needs. Contact Love & Dillenbeck, PLLC today for the guidance your family requires!