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Bankruptcy
The economy is down and all across America people are having difficulty with their finances. Bankruptcy was created to help those who will face certain economic doom to get a fresh start with their lives. If you are in such a situation, take the time to find-out about the possibility of filing for bankruptcy, it may be the solution to your problems. Do not avoid creditor's phone calls or mailings. Contact me and I will first determine if you qualify and if not, I will suggest other options you may want to consider. Bankruptcy may be avoidable or not be in your best interest. As an alternate to bankruptcy, I will negotiate with your creditors and/or devise a payment plan for your debts.
Chapter 7 - most debts can be eliminated and you will be able to keep certain property that is excluded under state law.
Chapter 13 - reorganization of your debt. I will meet with your creditors to negotiate a repayment plan which may be less that what you are paying now.
Credit Repair
Sometimes even minor financial dealing or incidents can be significant enough to cause you credit score to plummet. Your credit score is used not only by lenders, but by landlords and employers, all of which may use any adverse information to deny you a loan, housing or employment. Take the time to have your credit issues addressed and save yourself not only the embarrassment of a denial but also the additional money you would have to spend on a loan with a higher interest rate.
Foreclosures
Loosing a home often worsens the financial difficulties owners are presently facing. However, there are often options that a homeowner can pursue which will save their home from foreclosure or may lessen the loss. Contact me and I will discuss your possible options.
Business Formation
The small business owner is a vital part of our society and there will always be those who want the opportunity to have their own business enterprise. However, business owners often do not realize that their idea of a profitable undertaking could also expose them to financial disaster. Take the time to contact me and I will explain the different types of business entities and the one that you may want to consider for your business.
Sole Proprietorship - one person's dream to take all the risks for all the profits and sole responsibility for all liabilities.
Partnerships - there are two chairs in heaven for the partners who do not end-up in a conflict. Make sure that your partnership agreement will achieve it's purpose and is satisfactory to both you and your partner.
Corporations - creating an entity for limited liability. There are requirements that must be fulfilled to create this type of business entity. More importantly though is the need for both officers and shareholders alike to be aware of the circumstances that could still expose them to liability even with a properly formed corporation.
Limited Liability Companies - the benefits of a corporation without the corporate requirements for creation. Even though these business entities have become increasingly popular, they too may not provide limited liability to the formers.
Contract Negotiations
Whether it be an item purchased at the corner store or the hiring of a home contractor, you are entering into a contract. Although we would find it hard to justify using an attorney for routine matters there are times when entering into a contract can have consequences not contemplated. Remember to balance you interests against the possibility of any liability that can arise from the contracts you enter into.
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