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Welcome
to Apsan Law Offices, P.C.
"The Bankruptcy
Lawyers"
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| Bankruptcy is about starting over. It is about ending the cycle of debt collector calls and putting the credit nightmare behind you. Each person reaches a decision to file bankruptcy for different reasons. Some have had business failure, others have lost their job or have gone though a difficult physical or emotional period. Hospital stays can be very expensive. Medical bills can mount up to many hundreds thousands of dollars. It seems that there is no where to turn. Yet, there is. The U.S. bankruptcy Laws have been making it possible for people to get rid of unwanted debts and start a new life, leaving their most perplexing problem behind. For some people, filing a bankruptcy case will give them the breath of relief that they have been searching for. Bankruptcy results in the grant of a discharge of debts to an individual or a couple. A discharge is the forgiveness of personal liability for debts, which have been incurred prior to the filing of the case. With few exceptions, immediately upon filing the petition, creditors are prohibited from suing a debtor, obtaining a judgment, or collecting for debts, which have been discharged and will have no claim on the future income of assets of the individual who has filed for bankruptcy relief as a debtor. For many there is the new HAMP Home Mortgage Modification Program, which can literally rewrite your mortgage, reducing interest to as low as 2 %. Let us help you decide if bankruptcy is right for you. With almost 28 years extensive experience in bankruptcy, we know this area of the law well. Whether you need a New York bankruptcy lawyer or a New Jersey Bankruptcy lawyer, we can help you. We have included information on this site to help you decide if bankruptcy is right for you as well as exactly what bankruptcy is. If you have any question contact us for a free consultation. |
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