We strive to make the bankruptcy process as affordable as possible by streamlining our case processing efforts and maximizing efficiencies in order to keep costs as low as possible for clients.
Providing solutions to overwhelming debt:
Especially in our poor economy, where jobs are unavailable or pay significantly less than previously, mounting debt can begin to feel unmanageable and overwhelming. At Southland Law Group, we bring the knowledge and skill we've acquired to help you take control of your debt so you can take control of your life.
Experts in debt analysis:
At Southland Law Group, we truly listen to your needs and thoroughly analyze your case to determine if bankruptcy offers the most effective way to ease your financial burden. We review your debts, income and expenses, and explain the ultimate impact bankruptcy would have on your family, business, home, and future credit. We answer all your questions about the bankruptcy process and the outcomes you should expect. Our compassionate approach to bankruptcy leaves no surprises.
Reprieve through automatic stay:
Creditors' aggressive collection methods unfairly compound the stress of escalating debt. You can put an end to the constant harassing phone calls and letters meant to intimidate you into paying debts you cannot afford. As soon as you file for bankruptcy, creditors must immediately stop collections efforts, including those distressing letters and phone calls. Your attorneys then deal with your creditors so you can regain your peace of mind.
Chapter 7 Bankruptcy:
If you and your spouse own few assets and earn relatively low wages, Chapter 7 bankruptcy is available to provide relief from your debts through liquidation of your assets. Because many household and personal items are exempt from bankruptcy liquidation, you can make a fresh start with limited disruption to your life.
Chapter 13 Bankruptcy:
Chapter 13 bankruptcy enables you to prevent your lender from foreclosing on your home. If you and your spouse have substantial incomes, but sudden illness, job loss or another unexpected circumstance has interfered with your ability to pay your debts, Chapter 13 bankruptcy permits you to pay debts over time in smaller amounts.