Bankruptcy can be an important step in taking control of your life and future.  The financial stress of rising debt can often spiral out of control, leaving you with the feeling that you are alone in your struggle to recover. John Weber and Associates PC can help you to immediately stop the harassing phone calls and letters from creditors & collection agencies, curb wage reductions, end repossessions, and keep foreclosures at bay, giving you the chance for a fresh start.

Experienced Bankruptcy Guidance

Contact UsBankruptcy can be an important step in taking control of your life and future. One of the most crucial aspects when beginning the bankruptcy process is understanding the alternatives and choosing one that provides the easiest path towards reconstruction. John Weber & Associates can outline your options and help you make a choice that works best for you and your financial situation.

How Does It Work?

If it is determined that bankruptcy is the best option for you, there are two forms or “chapters” that we will consider…

(Clicking on the title link will offer more information on each type of bankruptcy or call (631) 321-6065 or (718) 748-0432 for answers to any of your questions…)

Chapter 7 Bankruptcy

Chapter 7 is the quickest and easiest form of individual bankruptcy in which all non-exempt property is surrendered and liquidated. Non-exemption varies from state-to-state and can include Social Security payments, unemployment compensation, and limited values of equity in a home, automobile, household goods and trade tools. Chapter 7 will stay on your credit report for 10 years and certain types of debt may not be discharged such as child support, certain taxes and student loans. Also, a debtor may maintain a right to collateral even after the debt is discharged.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is a payment plan set up to consolidate your debt. A Chapter 13 bankruptcy, also called a debt consolidation, involves arranging and agreeing to a repayment plan that the bankruptcy court approves. The repayment plan allows you to catch up on house and car payments in manageable monthly amounts. Chapter 13 puts you in control rather than the mortgage and car lenders and your other creditors. It allows you to pay off your creditors while still holding on to your home and your vehicles.

The Guidance That You Need

Our singular focus is individual bankruptcy. We will guide you through each step of the process to ensure a successful outcome. Bankruptcy is designed to help you in your time of need. We are dedicated to protecting that right for each and every individual that we serve.

For a complete understanding of your options and to see if bankruptcy is the best option for you, call John Weber & Associates at (631) 321-6065 or (718) 748-0432 or simply fill out the form to the right for a prompt reply.

Take advantage of our free initial consultation and find the financial relief that you need. Call today.