Whether you’re dealing with too much debt due to divorce, medical bills, unemployment, or credit cards, well help you decide whether Chapter 7 or Chapter 13 Bankruptcy protection is right for you. We can also help you with highly charged emotional cases involving divorce, child custody, child support, and more. It seems like its getting more and more difficult to keep up with your bills. Maybe you’re falling behind in your mortgage, or you cant pay your credit card bill, or you’ve had to deal with an unexpected medical expense. Whatever the reason for your debt, its important to remember that you have options. At the Jana H. Effertz Law Office P.A. you’ll get knowledgeable and compassionate guidance to deal with your financial situation. Together, well explore all your legal options. If bankruptcy protection is the right course for you, well help you decide between Chapter 7 and Chapter 13 Bankruptcy. Chapter 13 Bankruptcy doesn’t cancel your debts rather, its a means of structuring a payment plan that allows you to pay off your creditors. Depending on the amount of your income, youll have 3 to 5 years during which time you make a structured payment. At the end of the period, your remaining debt is cancelled. Chapter 7 Bankruptcy is a plan under which your debt is liquidated. Non-exempt property is turned over to a court-appointed trustee, who sells that property to pay off debtors. Not all debts can be discharged under bankruptcy. You will still be responsible for payment of taxes, spousal and child support, fines, and other obligations. Contact us today to learn more, and explore your options. Dealing with legal issues can be intimidating and confusing. When those legal issues involve family members, it can create a highly charged emotional situation that makes matters that much more overwhelming. ...read more
By Jana H. Effertz Law Office P.A. January 10, 2015
Getting a legal internship can help boost your career by giving you the much needed experience to place on your resume. A job canidate that has just left school but has several intern experiences under his belt will have a better chance getting a new position in a law firm than a job canidate that doe... ...read more
Low income people sometimes have a difficult time receiving legal help. Many do not know they have the opportunity to receive free legal help. Some of these services available to them are by public service charities, volunteer lawyers and law student clinics. People seeking information on these progra... ...read more