A serious illness, loss of a job, divorce, people find themselves struggling with debt for many reasons. During difficult times like these, all of your income may go to cover your debt payments, leaving little money left to buy groceries, clothing, and medicine. As things get tougher, you could face the possible foreclosure on your home and the harassing phone calls from creditors.
The bankruptcy process is designed to help people eliminate their debts or repay them under the protection of the bankruptcy court. Bankruptcy can put an end to home foreclosures, wage garnishments, repossessions, collection lawsuits and creditor harassment.
For individuals, two types of bankruptcy are commonly used, Chapter 7 bankruptcy and Chapter 13 bankruptcy. There are significant differences between the two. In Chapter 7, you are usually able to discharge most, perhaps even all, of your debt without the loss of property. Chapter 13, on the other hand, typically involves the design of a repayment plan that can restructure or eliminate debt. The approach that’s right for you depends on your overall financial situation, the nature of your debts and your financial goals.
If you are struggling with debt, we are here to assist you. We will review your finances and assess your situation. If bankruptcy is the best option, we will determine whether Chapter 7 or Chapter 13 is right for you. Then, we will guide you through the process every step of the way. Ultimately, our goal is to get your financial situation under control and provide you with a fresh start in life. Contact us today for a free consultation. Most people feel a sense of relief and greater hope for the future by merely meeting with us. Let’s discuss your situation soon.
Whether you are just starting out, want to expand your operation, or need counsel on one of the many legal issues you face every day, we can help. Our business attorneys have extensive experience representing small and mid-size businesses from a wide range of industries and are well-versed in the area of franchise law. Our services include business planning, business transactions, business dissolution and business litigation.
One of the most important steps in building a successful business is your choice of entity. We will explain the various types of business entities available, as well as the protections and tax consequences provided by each. The choice depends on the nature of your business and your goals. We have formed all of the following entities and more on behalf of business owners:
- Limited liability companies (LLC)
- S corporations
- C corporations
- Sole proprietorships
In addition to helping you choose the proper entity, we can assist you with all aspects of business planning. This includes creating company policies and handbooks, drafting employment contracts and more. Remember, the decisions you make at start-up go a long way in determining whether your business succeeds and how much you ultimately earn from it.
Purchase agreements, sales agreements, and other contracts are an essential and everyday part of running a business. Such contracts can be mutually beneficial for all of the parties involved. However, if not properly drafted, they can lead to serious problems. Our business lawyers scrupulously draft contracts of all types. We use clear, concise language to ensure every party involved understands his or her rights and obligations. If you have been presented with a contract, our attorneys can review it to determine whether it meets your needs. If it does not, we can negotiate changes to the contract.
Maybe you are looking to purchase a business in its entirety, or you are considering the sale of your business. Maybe you want to purchase a fleet of vehicles or some equipment from another business. Regardless of the transaction that you are involved in, we will help you craft the appropriate agreement and protect your interests throughout the transaction.
If you are interested in ceasing operations, we can help you do so as efficiently as possible, without exposing you to unnecessary risk.
Our attorneys have experience resolving business disputes of all kinds, including breach of contract claims, disputes between business partners and more. Whatever resolving the dispute requires, be it skilled negotiation or aggressive litigation, we will protect both your business and personal interests.