Fresh Start. Stress Relief.
Peace of Mind.
With offices in Mesa, Arizona, Madison, Wisconsin and Bloomington, Minnesota, Cardis Law Group can provide our clients throughout the U.S. with a financial fresh start. We can help you lower your monthly payments, and also completely eliminate certain types of debts. Bankruptcy can be used as a powerful tool to help you get back on track and give you a second chance. If you feel like you are drowning in debt or robbing Peter to pay Paul or just overwhelmed with your finances, then financial debt relief may be necessary.
The Goal of Bankruptcy and a Fresh Start
The goal of bankruptcy is to give you a fresh start from unmanageable debt. It is a legal process that can help eliminate some or all of your financial obligations or allow you to repay it under the protection of the federal bankruptcy code. In most cases, if you are eligible for bankruptcy, it will help eliminate your debt and/or lower your monthly debt obligations and put a stop to the persistent phone calls and letters to collect money you don’t have. Bankruptcy can help restructure your mortgage payments, vehicle payments, medical bills, IRS obligations and unsecured debt payments.
Debt Relief and Defense
In addition to bankruptcy services, we offer debt relief services which include Debt Settlement and Lawsuit Defense. These services include negotiating directly with your creditors to reduce the principal balance of the debt owed, making your payments affordable.
Is Bankruptcy Right for You?
CHAPTER 7
Liquidation for Small Business
and Individuals
Chapter 7 is a way for you to wipe out all of your debt and get a fresh start. If you are current on your home and vehicles and simply cannot afford your credit cards, medical bills or other debt, then a Chapter 7 may be right option for you. On the other hand, if you are at a place where you cannot afford any of your bills and simply want to erase all your debt and start over, you may want to consider a Chapter 7. A Chapter 7 Bankruptcy is very fast and typically takes 4 to 6 months to complete. Once it’s over, your debts are discharged, which is another way of saying that your debts are legally forgiven.
CHAPTER 13
Reorganization for Small
Business and Individuals
Chapter 13 is a way for you to keep your property on your terms. This is accomplished by restructuring your agreements with your creditors. A Chapter 13 Bankruptcy creates a payment plan that fits within your budget. It allows you to take control of your financial situation and determine how your creditors are repaid. No matter how you found yourself in your financial crisis, whether it is unexpected events or bad choices, a Chapter 13 gives you the ability to turn it all around. If you are behind on your home, missed a car payment, owe the IRS, or have a garnishment, then a Chapter 13 may be right for you.