Bankruptcy

Thomas Law Group provides legal assistance to Debtors and to Creditors for unpaid debts, provides pre-litigation and litigation services for collections, as well as pre-bankruptcy planning and filing of Chapter 7 and Chapter 13 Bankruptcy cases.

Filing bankruptcy can offer immediate, and long term, relief from: mortgage indebtedness, foreclosures, repossessions, wage garnishments, liens, harassing phone calls from creditors or collection agencies, and other debt related issues. Upon filing a bankruptcy petition an Automatic Stay Order will be issued by the Court. This order protects you from legal action, foreclosure, harassing phone calls, garnishments, collection activities, etc. Please note that although the Automatic Stay Order is issued immediately upon filing a Bankruptcy Petition your creditors may not receive the order via mail for a few weeks. If we are aware of a pending foreclosure, garnishment or other legal action we will file a Suggestion of Stay with the appropriate Court to halt the action. After you have filed a Bankruptcy Petition all contact from creditors should stop, if any creditor does contact you please request that they contact your legal counsel and note in their file that you have filed bankruptcy.

Upon filing a Bankruptcy Petition you will have to attend a Meeting of Creditors at a time scheduled by the Bankruptcy Court. You will receive notice of the Meeting of Creditors directly from the Court and our office. At the meeting you will be sworn under oath and interviewed by a Bankruptcy Trustee. An attorney from our office will attend this meeting with you.

Although every client’s financial situation is different it is possible, in some circumstances, to retain your home, car, retirement savings, and other property despite filing for bankruptcy. Contact us today for a free phone consultation to discuss your financial situation and how to protect your assets.

If you are not prepared to file bankruptcy or are unwilling to do so, our office can assist you with: short sales, negotiations of payoffs, settlement payments, etc.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.