• Do you have past medical bills which you cannot repay or afford?
  • Are your creditors being uncooperative in making monthly payments to your account?
  • Are you borrowing money constantly to pay your debts?
  • Did your credit card company raise the interest rate on your credit card?

Q.  What is Chapter 13 Bankruptcy?

A.  If you find yourself in a position where your debt isn't allowing you to make regular monthly payment to your creditors, you may want to consider tiling Chapter 13 Bankruptcy. Filing Chapter 13 Bankruptcy can help you lo reduce your secured and unsecured debt. Under Chapter 13, we will ne able to structure a payment plan for you.


Q.  What is Chapter 7 Bankruptcy?

A.  Chapter 7 Bankruptcy allows the debtor to pay either a portion or all of his/her debt while still being able to retain their possessions.  Your plans for repayment are submitted to the courts and must he approved by the courts for it to be effective. After your final payment, you will be discharged of all liability on these accounts and this debt.


Although some of us have been attested by the bankruptcy laws of 2005, many are still able to qualify for Chapter 7. Contact us today.




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Bankruptcy Answers

Q.  How do I know if I should file for bankruptcy?

A. If your answer is yes to most or all of the following questions, then let Joseph I. Wittman help you!

  •  Are you behind on mortgage payments or car payments?
  • Are you unemployed or experiencing a significant decrease in your monthly income which doesn't allow you to meet your minimum monthly commitments?
  • Do you owe back taxes?


Bankruptcy Answers

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"I am a federal authorized DEBT RELIEF AGENCY and I help people file bankruptcy.

Information contained in this website is not legal advice and no attorney client relationship is created by you accessing information in this website. The informational only and unless you sign a written contact with Joseph I. Wittman, , attorney at law, I do not represent you in any way. You can retain me as your attorney by contacting us at the number set forth in this website and signing a contract to employ to our firm to help you."