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CHAPTER 7 AND 13

Both chapters give individuals an opportunity to relieve their debts. Chapter 7, or “straight bankruptcy”, discharges most unsecured debt. Chapter 13 can stop a foreclosure even on the day of sale as well as allow clients to reorganize their debts with creditors.

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CHAPTER 11

Commonly referred to as a “corporate restructuring”, this chapter allows businesses to reorganize their debts with creditors. Another emerging corporate trend is a Loan Work Out. See “Featured Service” below for more details.

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CHAPTER 12

Established to help alleviate the debts of family farmers and fishermen, this chapter was specifically designed with additional benefits beyond those of traditional wage earners.

FEATURED SERVICES

LOAN WORK OUT

Many corporations are currently opting for a Loan Work Out instead of filing a Chapter 11 bankruptcy. For businesses with only temporary or relatively minor financial problems, a loan “workout” agreement or debt restructure is a viable option.

MORTGAGE MODIFICATION

Mortgage modification is a process by where the terms of a mortgage are modified outside the original terms of the contract agreed to between the lender and borrower. The Lewis Law Firm can help you lower your rate or premium and keep your home!

BENEFITS

  • Avoid foreclosure
  • Prevent wage garnishments
  • Discharge medical bills
  • Eliminate credit card debt
  • Keep your business
  • Reorganize your debt
  • Protect your family
  • GET PEACE OF MIND!