| DO YOU NEED YOUR OWN FINANCIAL BAIL OUT? |
CALL NOW. WE CAN HELP.
DIAL 609.897.0430.
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| STOP THE MADNESS NOW |
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CALL Ponder & Williamson, LLP
Offices in Princeton and Newark
609.897.0430
TO STOP NASTY CREDITOR CALLS
TO STOP FORECLOSURES
TO STOP MORTGAGE SERVICE ABUSE
TO REPAIR CREDIT AFTER BANKRUPTCY
TO STOP REPOSSESSIONS
TO HALT EVICTION
TO OVERCOME HUGE MEDICAL DEBT
TO REGAIN CONTROL OF YOUR LIFE
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| FILL OUT OUR FORM FOR A FREE CONSULTATION. SPEAK WITH AN ATTORNEY TO LEARN YOUR OPTIONS AND POSSIBLE SOLUTIONS NOW. |
| FREE CONSULTATION and REASONABLE PAYMENT PLANS TO FIT YOUR NEEDS |
IT'S NOT YOUR FAULT. BUT, YOU KNOW IT'S YOUR RESPONSIBILITY TO SOLVE THE PROBLEMS HOLDING YOU DOWN
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Does your heart race every time the phone rings because you know a collection agency or a credit card company is on the other end of the line?
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Do you hide from the mailman to avoid signing for certified letters from creditors?
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Do you have so much debt that you see no way to pay it all off?
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Have you been fooled by Debt Consolidation companies tha have ripped you off instead of paying bills?
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Are you facing foreclosure of your home or repossession of your car?
You just may need to give yourself and your family a fresh start. Choosing bankruptcy as a solution is difficult because of all the myths and the stigma attached to it. However, often bankruptcy is the best solution for protecting your family and your future.
In this economy, you don't want things to get worse, so call us and allow us to help you take control of your life.
HOW YOU REGAIN CONTROL OF YOUR FUTURE
Think of bankruptcy as a "protection plan." It is an excellent way to protect your future and your family by giving you debt relief and an effective way to fight foreclosures, wage garnishment, repossessions and other collection action. Most consumers choose between Chapter 7 and Chapter 13 bankruptcies for the needed protection.
In Chapter 7 bankruptcy, you are required to sell off a portion of your assets to pay off your debts. Although there are income requirements that determine your eligibility for Chapter 7 protection, many debtors fall within the guidelines and do not have enough assets to be worried about selling them.
Chapter 13 bankruptcy gives you an opportunity to develop a court approved payment plan that fits your budget. Debtors usually file Chapter 13 when they do not qualify for a Chapter 7 and are attempting to keep major assets such as a home. Depending on several factors the plan can last for three to five years. After successful completion of the plan, you may have the remainder of your dischargeable debts wiped out.
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YES, YOU CAN STILL FILE BANKRUPTCY
You may have heard about a new law passed by Congress that went into effect in October 2005. While it is true that the new law makes the process much more complicated, the basic right to file bankruptcy and most of bankruptcy?s benefits still remain for most consumers. The cost of filing for bankruptcy also has increased, both in terms of fees you to have to pay the court and the fee you will have to pay your attorney.
BANKRUPCTY RESOURCES
New Jersey Bankruptcy Court
Nada Guides Car Valuations
Property Tax Valuations
American Bankruptcy Institute
New York Times
USA TODAY
Wall Street Journal
Women and Bankruptcy
FTC ON Credit Counseling and Debtor Education
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| FOR QUALIFIED DEBTORS, FINANCIAL FREEDOM CAN BE AS LITTLE AS THREE MONTHS AWAY |
Ponder & Williamson, LLP is a full-service law firm which focuses its practice on bankruptcy, consumer rights, commercial and residential real estate and civil litigation. We pride ourselves on our ability to help our individual and business clients resolve problems and improve their business, professional and private lives. We take particular care in understanding our clients' issues so that we may devise solutions to their specific problems. We also take communicating with our clients very seriously and we take full advantage of technological advances to assure that we are able to address our clients' concerns promptly.
Please call to find out how we can help you at 609.897.0430 or e-mail us at officemanager@ponderwilliamson.com.
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