Are you overwhelmed with debt? Are you unable to pay your bills, borrowing from one credit card account to pay another or making minimum payments without ever being able to save, catch up, or get ahead? Are credit defaults causing undue stress from creditors, bill collectors, mortgage lending institutions, or collection agencies? If so, you do not have to face a hopeless financial future. Help is available through state and federal bankruptcy laws, designed to give an honest debtor a fresh start.
At the Law Firm of Anthony J. Perano, you can work with Mr. Perno, a bnkruptcy attorney with more than 25 years of experience. Mr. Perano's main goal is to restore you to the position you were in prior to experiencing burdensome debt. With his help, you may be able to completely eliminate such debt. You can call his office and speak with him directly at no charge; as an attorney . He is sensitive to the needs of clients. You will find him easy to speak with and will be given a direct answer as to whether or not you can be helped through his legal services.
Mr. Perano believes that one of the main goals of a bankruptcy filing is to prevent creditors from reporting negative information to the credit reporting agencies and to stop them in their pursuit of clients. This allows you to restore your credit and get a fresh start. When a bankruptcy case is filed, an "automatic stay" is imposed by the court which halts creditors from pursuing you in any way, including through phone calls, mailings, lawsuits, or foreclosure actions. After the filing, a hearing is held in federal court, usually within 30 days.
All bankruptcy cases at the firm are handled personally from beginning to end by Mr. Perano to ensure that they are carefully prepared and reviewed before filing. He often meets with clients several times to make certain that all issues are covered.
Many clients needlessly suffer over their debt situation and do not know where to turn. Unfortunately, they often seek the counsel of various agencies or other lay entities or persons who promise to consolidate or reduce debt. This often leads to further damage as many of these agencies victimize the public with exorbitant fees and a failure to provide the promised service. This results in a far worse financial condition for the person involved than if he or she had never contacted the lay agency in the first place. Because of this, the firm strongly recommends that you seek the counsel of an experienced bankruptcy attorney.
Recent amendments in bankruptcy laws have granted filers higher property exemption amounts, allowing individuals to keep their homes, vehicles, and other assets; prior to 2011, this was not the case. Many people who could not file for bankruptcy previously or were limited to filing a Chapter 13 repayment plan can now file a Chapter 7 petition, eliminating their debt completely.
It is recommended that you contact the firm to discuss the specifics of your case with Mr. Perano. Information provided by self-help books and internet websites may not be reliable, may have little to do with your case, or may mislead you. After a short discussion on the phone with Mr. Perano, you will learn whether or not he can help you. He will not misdirect you or waste your time. Once it is established that he can assist you, an appointment may be scheduled ; weekend and evening hours are available for those who need them.