Bankruptcy Attorney Representation

Make a Fresh Financial Start

Are you behind on mortgage payments? Are you struggling with credit card debt or receiving harassing phone calls from collection agencies? If so, you may be feeling overwhelmed. The burden you are carrying can affect your performance at work, your family relationships, and your overall health. Under these circumstances, it can be difficult to think clearly and to properly deal with your financial problems. At this point, it's a good idea to speak with an experienced bankruptcy attorney.

With over 30 years of experience, Flanagan Law, LLC offers the bankruptcy guidance you seek. Attorney Flanagan will thoroughly analyze your financial situation and let you know if bankruptcy is an appropriate solution. And if you do end up declaring bankruptcy, he'll help you navigate the complicated process with ease.

Why Choose Bankruptcy?

End Creditor Harassment

Creditors often use intimidation and harassment tactics, including calling you at work or contacting your neighbors to gather information about you. Filing bankruptcy can shield you from these intrusive creditor calls. If the calls continue after your filing, those creditors can be held in contempt of court.

Halt Wage Garnishments and Bank Levies

Creditors may seek debt repayment through wage garnishments, where a portion of your salary is withheld by your employer to pay the creditor. This process can persist until the entire debt is settled. Similarly, creditors can impose bank levies, freezing your bank funds and seizing them to offset debts. This action can lead to bounced checks, incurring bank charges and late fees. Bankruptcy can prevent these wage garnishments and bank levies.

Prevent Foreclosure and Repossession

Struggling with mortgage or car loan payments? Is your creditor demanding that you immediately pay all that you are behind on or they will repossess or foreclose? Bankruptcy allows you to repay mortgage arrears over three to five years instead of all at once. If your car loan exceeds the vehicle’s worth, bankruptcy can reduce the loan to the car's value and help you avoid repossession.

Restoration of Driving Privileges

Has your driver's license been revoked due to DMV surcharges? Are you facing additional penalties and fines because you were caught driving during this suspension? Bankruptcy can wipe out DMV surcharges, and you can get your driving privileges restored immediately upon filing.

Eliminate Credit Card and Medical Debts

Overwhelmed by high-interest credit card and medical debts? Paying just the minimum amount due on your credit card can take 20 years, assuming no additional debt is accrued. Bankruptcy offers a pathway to eliminate these debts.