Shmuel Klein

Bankruptcy is a very powerful tool. It can stop a foreclosure or law suits and bank levy and garnishment. It can give you a fresh start. Chapter 7 which wipes out your debt and may allow you to keep your property. Chapter 13 allows you to catch up on missed mortgage or car payments and even late tax payments. Chapter 11 is for persons or companies that have over $1M of debt. It is important to discuss your debt problems with us. Stay away from debt settlement & Debt consolidators.

Your credit report contains information about where you live, how you pay your bills, whether you've been sued, have a judgment, been in court, were arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy

When you bought your home, you probably borrowed money and gave a bank a mortgage on your home. As part of taking out that mortgage and financing your home purchase, you probably paid a lot of fees, interest, "points," and miscellaneous charges. Along with the numerous closing and mortgage documents you received, you should have been given a statement of all those costs and charges. All of those costs had to be included on that statement. Many of those costs were supposed to be included.

We sue debt collectors that harass persons regarding debt. A collector is one who regularly collects debts, & includes collection agencies, lawyers & companies that buy delinquent debts & then tries to collect. A debt collector can't contact you at inconvenient times or places, like before 8 in the morning or after 9 at night, unless you agree to it. Collectors can't contact you at work if your boss does not allow it. If a collector calls you, demand validation of the debt & dispute the debt.