Get A Fresh Start Through Chapter 7

HONOLULU CHAPTER 7 BANKRUPTCY LAWYER SERVING CLIENTS THROUGHOUT THE HAWAIIAN ISLANDS

Is Chapter 7 bankruptcy really as good as it sounds? Let us put it another way — What would it feel like if you knew you never had to answer another creditor’s collection call, juggle another credit card payment or lose another night’s sleep worrying about losing your home?

The federal government established the U.S. Bankruptcy Code because America is all about giving people second chances. Under our laws, honest people who find themselves buried in debt deserve another opportunity for a fresh start. It is not often that we are given a second chance but Chapter 7 gives you exactly that.

A FRESH START FROM BILL COLLECTORS AND CREDITORS’ ACTIONS

Most people who consider filing for Chapter 7 bankruptcy have been juggling bills and fighting with debt collectors for many months. Perhaps you, too, have reached the end of your rope. The day you retain our law firm, you can tell the bill collectors to call your lawyer. Under the law, any legal action being taken against you must come to an automatic stop upon filing of your bankruptcy. That means wage garnishment lawsuits, foreclosure proceedings, car repossession and property liens are “stayed” or stopped upon filing. How good will that feel knowing that you can keep your home and car, while eliminating consumer debt?

A FRESH START FROM POURING MONEY DOWN THE DRAIN

Credit card debt and bank loans typically have exorbitant interest rates, late fees and penalties. Every time you pay high interest and a $35 late fee for missing a monthly payment, you are NOT putting that same money toward your kids’ college education or your retirement fund. You may have a wallet or purse full of plastic, but the truth is, your creditors hold all the cards. Until you get out from under debt, you will be held under their thumb and may never get ahead.

GET A FRESH START FROM WORRY

How long have you been worrying about your debt problems? Three months? Four months? Longer. Most people who juggle bills one month will end up juggling or missing payments several times over the course of a year. Each missed payment means you worry a little more about the consequences. You work hard. You do your best. What is wrong that you can’t make ends meet? NOTHING. If you have unmanageable debt and are swimming upstream against an onrushing current of high interest rates, unexpected household or business expenses, or a loss of income, Chapter 7 bankruptcy provides the opportunity to eliminate your worry by eliminating your debt.

YOUR FRESH START CAN START TODAY — BUT ONLY IF YOU CALL

Start today. Call our office in Honolulu at 808-585-1000 or contact us online to learn more about getting the fresh start you need for yourself, your family or your small business.