Yes, in some cases your debt can be reduced by negotiating with the lenders.  We can help you settle your debt or modify your mortgage.

Yes and No.  Bankruptcy does not prevent you from modifying a mortgage.  However, we can't force your lender to accept a modification.  Bankruptcy may encourage your lender to modify your mortgage; after all, you will be discharging some debt and you should have additional monthly funds to pay your mortgage.  In addition, the mortgage company doesn't want to foreclose on another house that is underwater. 

With respect to your car payments, if you obtained the debt more than 910 days prior to filing, we can cram down the payments under Chapter 13.

Many people are deterred from the idea of filing for bankruptcy because they think it will mean that they will end up with nothing - not even a place to live. However, there are ways to protect your assets, including your home, from being taken away. Plus, if you are behind on mortgage payments, you can save your house from a foreclosure through a Chapter 13 bankruptcy.  One of the reasons having an experienced bankruptcy attorney is so crucial to your case is that your attorney can help you get the exemptions you qualify for, so you and your family are not left destitute.

Williams & Cluff can provide the best help for your bankruptcy case, backed by years of experience and thorough knowledge of bankruptcy laws. Contact Williams & Cluff today to let us help you with your fresh start. Initial consultations are always free.

In most cases, you can keep your car.  Loss of assets, such as a car, is one of the main reasons many people are afraid to file for bankruptcy. There are, however, ways to avoid losing your possessions, even after filing for bankruptcy. The right attorney can help you see what exemptions you qualify for.

At Williams & Cluff, we are committed to helping our clients start a new life. We want to help you keep your car and other possessions! Contact us today so we can start determining how to best handle your case. Your call to us will cost you absolutely nothing!

An experienced attorney is absolutely essential to filing for bankruptcy. Bankruptcy is a fairly complicated process that can become even more complicated in the wrong hands. If you decide you file for bankruptcy by yourself, you will have to fill out a significant amount of paperwork, and you may have to represent yourself in court. Hiring a competent attorney is the only way to make sure your case is handled quickly and correctly. If you want to make sure your bankruptcy is done efficiently, and with the least amount of personal loss to you, you need an experienced law firm like Williams & Cluff on your side.

Don’t make the bankruptcy process any harder than it already is. Contact Williams & Cluff today to get the help of someone that knows about bankruptcy. Your initial case consultation is free!

The cost of filing for bankruptcy includes our legal fees, credit counseling fees, statutory filing fees, and some administrative fees. It may seem like a lot at first, but most people find that filing for bankruptcy is, in the long run, worth their time and money. Exactly how much your case will cost you depends on the type of bankruptcy you file and the complexity of your case.  We charge a "flat fee" based on the bankruptcy chapter you file.  In addition, our fees are competitive and typically lower than the "TV" lawyers.

Hiring the right attorney is key in saving you time and money in the bankruptcy process. Call Williams & Cluff today for a free consultation. We can help you on your journey towards a new start.

Most people know that bankruptcy can and will have a negative impact on your credit score. It is difficult to determine exactly how many points you will lose from your credit score, but the number is usually significant. A bankruptcy will be documented on your credit report, where it may remain for as long as 10 years. While future potential lenders will view the bankruptcy as a negative item in your credit history, this does not necessarily mean you will be unable to use credit. Plus, late payments on loans or credit cards over a long period of time will probably, in the long run, do more damage to your credit than filing for bankruptcy would. An experienced bankruptcy attorney can help you understand your credit options.

Williams & Cluff has the experience and the knowledge to answer your questions about how bankruptcy will affect your credit. Call today to get the information you need with a free case consultation.

Phone calls from creditors and collection companies are tiresome, inconvenient, and invasive, yet they only seem to get worse as time progresses. From the moment your bankruptcy is filed, however, an automatic stay prohibits creditors or collectors from calling you and harassing you about your debts. This stops repossessions, foreclosures, garnishments, and phone calls. If creditors continue to pursue you, we can file sanctions against them in court. We will fight to protect your rights!

Shake off the debt collectors for good! Call Williams & Cluff today for a free consultation that will initiate the bankruptcy process - the start to your peace of mind.

There are cases in which only one spouse has excessive debt, and the other has no need to file for bankruptcy. However, if your spouse could be considered liable for your debts, your creditors could demand payment from him or her instead of you. In this case, in may be beneficial for both of you to file for bankruptcy.

This is a question that depends largely on your specific case and circumstances. Contact Williams & Cluff now and let us determine the smartest option for you and your family. This initial consultation comes without cost or obligation.

How long your bankruptcy will take depends on what type of bankruptcy you are filing for. For most individuals, the process can be completed in about 3-4 months. This can vary from case to case, but one thing is absolute: a good attorney can save you a lot of time in the bankruptcy filing process.

Williams & Cluff is familiar with the bankruptcy process. We can save you valuable time that you can use to get back on your feet faster. Call us today for a free consultation about your bankruptcy case.

If you have significant debts that you are unable to pay, but you don’t file for bankruptcy, creditors can take extreme action against you. This can lead to time consuming and expensive lawsuits, which could lead to garnishment of your paycheck and bank accounts. In other words - putting off bankruptcy can be very expensive.

If you are even considering filing for bankruptcy, call Williams & Cluff today. We can examine your case and determine your best options. Don’t hesitate to start the process; the sooner you file, the sooner your journey towards financial relief can begin.

If you are still hesitant about the bankruptcy process, it is best that you speak to one of our attorneys. We will be able to answer any additional questions you might have about the bankruptcy process, and help you get started with your filing if you decide that bankruptcy is the right decision for you. Contact Williams & Cluff today; your initial consultation is free, and we will do what we can to put your mind at ease!