Bankruptcy Information Services
Experienced Help from a Wisconsin Bankruptcy Attorney
If you are facing overwhelming debt and need a professional to examine your debt relief options, you've come to the right place. With more than 14 years of experience, I understand the bankruptcy laws and other debtor/creditor laws that could affect your situation. Years of providing clients compassionate and quality representation has made my firm one of the top bankruptcy law offices in the state of Wisconsin and has allowed me to focus my practice completely on bankruptcy. At Sapinski Law Office, S.C., my entire staff and all our resources are poured into helping people escape debt. We are not one of those firms that operates like a mill or factory, cranking out case after case without individualized attention and care. The positive reputation I've built throughout this state is rooted in the fact I work closely on every client's file and design an effective plan tailored specifically to each unique situation. Here are just a few of the many things you need to know about your bankruptcy and non-bankrutpcy debt relief options:
Do you have questions about the bankruptcy process? Click through the frequently asked questions section for helpful responses to some of the most common points of confusion. If you still have questions, don't hesitate to contact my office.
"If I file bankruptcy, I will discharge all of my debts, lose all of my assets, and destroy my credit rating for10 years." Have you heard any of these bankruptcy myths? Unfortunately, there is a lot of misinformation circulating about the bankruptcy process. Learn the truth today.
Benefits of Bankruptcy
Federal law authorizes the right to file for bankruptcy, and for many people, this process can help them regain control of their financial life and make a fresh start. Find out more about what bankruptcy can do for you.
Do you know the difference between a Chapter 7 and a Chapter 13 bankruptcy? If you do not receive enough monthly income to pay back your debts, then a Chapter 7 bankruptcy - also known as a personal, straight, or liquidation bankruptcy - might be your best option.
If you have debts you cannot pay and have sufficient monthly income, you may qualify for a Chapter 13 bankruptcy. This Chapter can help you keep your assets, consolidate your debts and give you an extended period of time to make peace with your creditors.
Contrary to what you may have heard, bankruptcy does not need to destroy your credit rating. At Sapinski Law Office, S.C., my team is committed not just to helping you through the bankruptcy process, but helping you regain financial health after bankruptcy. In fact, we can take you through my credit repair program at no extra charge to you!
As an alternative to bankruptcy, debt negotiation is an appealing choice for many. Attorney Andrew Sapinski can help you by contacting your creditors at strategic times to negotiate a settlement. This strategy is especially effective in eliminating credit card debt.
Not all debts can be discharged through a Chapter 7 bankruptcy. Child support debts, tax debts, student loans, court-ordered fines, and gambling debts are just a few examples. It's important that you speak with a skilled attorney about these exceptions. Call Sapinski Law Office, S.C. today to learn whether any of your debts are not dischargeable in bankruptcy.
Do I Need an Attorney?
Bankruptcy is very complex and requires a great deal of legal perspective and advice. In almost all cases, it is extremely important that you hire the services of a trustworthy bankruptcy attorney. Learn what to look for when chosing a bankruptcy attorney. Learn what information you will need to bring with you when you meet with your attorney for the first time.
The prospect of losing a beloved home can be scary and intimidating, but you have options. In some cases, Chapter 13 bankruptcy may help you place a stay on a foreclosure and give you the time you need to catch up on your payments.
The U.S. Bankruptcy Court can help you modify your mortgage. They may be able to appoint a mediator who can work with you and your lender to help you restructure your mortgage under terms that are more favorable to you!
Are you aware of all of the non-bankruptcy alternatives available to you? The experienced attorney at Sapinski Law Office, S.C. can walk you through options you may not know about. Before you make the decision to file for bankruptcy, let us give you all the facts so you can be confident it is your best choice.
Another debt relief option, Section 128, is unique to the state of Wisconsin and allows wage earners to consolidate their unsecured debts in most cases. Call to discuss this little-known option and how it may help you.
Sapinski Law Office, S.C. Can Help You
No matter what situation you currently are in and no matter how confused or afraid you might be, I will do everything I can to help you regain financial freedom. I have helped thousands of people in situations like yours and I probably can help you, too. If you have more questions or would like to speak with a knowledgeable and proven Milwaukee bankruptcy attorney, contact my team. With a
free initial case consultation that will provide you useful information tailored to your needs, you really have nothing to lose. Find out why my office has an A+ rating with the Better Business Bureau! Just call 888-782-9423 to speak with a member of my professional office staff and learn how I can bring you a renewed sense of hope and a brighter future.