We Are Helping Clients Get A Fresh Start!

Since the federal bankruptcy laws changed in 2005, many people are uncertain as to the rights under the U.S. Bankruptcy Code. Although the laws make it more challenging to obtain Chapter 7 “fresh start” and Chapter 13 “repayment plan” relief, we can assist you in deciding which type of bankruptcy protection and relief is proper for you.

The most common forms of bankruptcy used by most ordinary consumers are Chapter 7 and 13.

Chapter 7: In a common Chapter 7, the debtor (you) wipes out his or her debts without offering to pay on them. There are certain restrictions to Chapter 7 concerning amounts of property and income.

Chapter 13: In a common Chapter 13, a debtor (you) reorganizes his or her finances by paying some of the debt back over a 3-5 year period by making payments to the bankruptcy trustee. A Chapter 13 can be used to: save homes from foreclosure, stop repossessions, deal with taxes, lower auto and furniture payments and protect property-which might be lost in a Chapter 7.

During initial consultations, we routinely inform you of the process of filing bankruptcy.

Remember that filing for bankruptcy not only gives you immediate relief, but it is also teaches you how to make smart financial decisions so that you can build a successful future, free of debt, for you and your family.

The best way to get answers to all your debt questions is "Face-To-Face". Call us today for your free 30-minute  initial consultation with Attorney Brian Kaiser to discuss your particular situation.

Please specify which of our offices would be most convenient to meet with you at: Angola, Indiana or Bryan, Ohio.

What to Bring to Your Initial Consultation:

• Try to bring a list of who you owe, and how much you owe.
• It is helpful to bring addresses for each creditor, although you may not need this for the initial consultation.
• You should also bring any notices from courts that you have received.

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

Contact Atty. Brian W. Kaiser today at 260-665-8040 or 419-636-8914 to schedule an appointment. Browse the website for more information about about criminal defense or our other areas of practice.