Utica Bankruptcy Attorney

Our Utica Bankruptcy Attorney Helps You Get Out From Under Debts

At the office of Karen E. Evangelista, P.C., we know how honest, hardworking people can easily find themselves struggling with heavy debt burdens they are unable to pay. As a result, you may be getting threatening phone calls from credit collection agencies, while facing the prospect of foreclosure on your home or repossession of cars and other types of property. Our Utica bankruptcy attorney has spent more than three decades helping those in similar situations, and can offer solutions to help you make a fresh start.

Is Bankruptcy for You?

Through the United States Courts, bankruptcy provides a means for honest people to deal with their outstanding debts and missed payments. Rather than racking up high interest and finance charges that make your balance impossible to pay, bankruptcy can help to renegotiate the terms of various loans, while helping to eliminate some debts completely.

Utica bankruptcy attorney Karen E. Evangelista has spent more than 30 years working with the good people of our area, helping them get out from under bad situations. Bankruptcy may be a solution that can help you when dealing with the following:

• Money problems due to reduced income and job losses;
• Financial insecurity due to a divorce;
• Illnesses and injuries that result in huge medical bills while preventing you from working;
• Defaults on mortgage, car, and other property loans;
• Legal judgments resulting from lawsuits;
• Threats of liens and property seizure due to outstanding balances and tax debts.  

How Our Utica Bankruptcy Attorney Can Help

We can review your debts and assets to determine the type of bankruptcy you need to file to best deal with your outstanding debts. Once your bankruptcy petition is filed in the Eastern District of Michigan branch of the U.S. Bankruptcy Court, debt collectors will be prohibited from calling, and any collection actions will generally be stopped. Types of bankruptcy you may be entitled to claim include:

• Chapter 7 bankruptcy, which involves liquidating assets to settle some debts, while the court eliminates, or discharges, others.
• Chapter 13 bankruptcy, which involves discharging a certain amount of unsecured debts, while negotiating and combining house, car, and other loan payments into an amount you can afford.  
• Chapter 11 bankruptcy, which can allow a business to continue function, while paying off outstanding debts owed.

The type of bankruptcy you file depends on your income, as well as the types of debts you owe. Call or contact the office of Karen E. Evangelista, P.C. online today and request a free consultation to see how we can assist you.