We are a Debt Relief Agency. We help people file for relief under the bankruptcy code. Bankruptcy laws and procedures have become increasingly complex since the passage of the Bankruptcy Reform Act in 2005. Attorney William Neiman can guide you through the complicated maze of the bankruptcy procedure so that you can obtain relief from your creditors and get the “fresh start” that you need.
Chapter 7:
This is straight bankruptcy – it generally will discharge all unsecured debts such as credit cards, medical bills, collections, signature loans, etc. With respect to secured debts (house loan & car loans), if you want to keep the property, you usually can, however, you will have to continue to pay that creditor.
What you need to bring with you on your first appointment:
- Income for 2008
- Income for 2009
- Income so far for 2010
- All paycheck stubs received in the previous 60 days
- Documentation for any lawsuits, garnishments, or judgments
- Bills from all creditors (including house loans & car loans), collection agents, collection attorneys. If you do not have a bill, you will need:
- Name and address of each creditor
- Approximate amount owed to creditor
Account number if available- Copy of your 2009 tax return (if completed).
Chapter 13:
This is debt reorganization. It will require you to pay a monthly payment to a Trustee for a period of 36-60 months through a wage withholding with your employer. At the end of all of the payments to the Trustee, you will be granted a discharge of the unsecured debts such as credit cards, medical bills, collections, signature loans (regardless of how much the creditor actually received from the Trustee). You can pay arrears on house payments through the plan and you can (and usually must) pay vehicle loans through the plan.
What you need to bring:
- Income for 2008
- Income for 2009
- Income so far for 2010
- All paycheck stubs received in the previous 60 days
- Documentation for any lawsuits, garnishments, or judgments
- Bills from all creditors (including house loans & car loans), collection agents, collection attorney. If you do not have a bill, you will need:
- Name and address of each creditor
- Approximate amount owed to each creditor
- Account number if available
- Copy of your 2008 tax return (if completed).
1470 25th Ave. ~ Columbus, NE 68601
william_neiman@hotmail.com
Fax: (402) 564-1286
Ph: (402) 564-6290
1-866-664-6290
