Our firm specializes in helping people who have been injured in an accident, slip and fall, auto accident, medical malpractice, dog bite, motorcycle accident, tucking accidents and all types of accidents where an injury has occurred.
We also provide assistance to people suffering financial hardship with Chapter 7 and Chapter 13 Bankruptcy protection and Student Loan Modification services.
Top Trial Attorney
If you are injured in an Auto Accident, a Slip & Fall, bitten by a dog, or have some other type of injury to yourself, we can help. It is all to common for someone who caused your injury to try to deny it was their fault, and if you involve an insurance company, it is their job to find a way to either not pay you anything, or pay as little as possible. Our job, is to help you recover the Maximum Amount, under the law, quickly and fairly. We have been helping injured people recover since 1981. We are a litigation law firm, which means we will not roll over and settle your case, because we are afraid to go to trial. Our office knows the best Doctors for referral of your treatment and care, so you can recover as fast as possible with the best possible results. We know how to get the insurance company to fix your car and pay the FAIR price if it is totaled. We know how to present your case, to achieve the maximum recovery you are entitled to, under the law. Call our office today for a free, confidential, consultation at 888-882-5297 or use our on-line application to contact us. We will be happy to review your current personal injury claim and explain all your options, right over the phone or with an e-mail response.
If you are injured, we will provide immediate assistance. We will have your car repaired or replaced, FREE of charge. We will refer you to a Doctor, who will work on your case on a "lien basis". This means they will wait for payment until your case is resolved.
We are Expert negotiators and will obtain the highest possible offer to resolve your case. If the insurance company does not act reasonably, we are a Litigation firm, and will take your case to Trial, letting a Jury tell the insurance company to pay up.
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Can't pay your Student Loan? We can get the payment down to $0 a month, if you qualify. We offer a FREE consultation so you can see what we can do for you. Contact us today. We can Eliminate or dramatically Lower your Student Loan payment.
We will get you out of Default Status. Bad things happen to you when you Default on your student loan. Intercepted tax refunds, low credit score, denial of some jobs. Our office will get you out of Default, and on track to make a payment you can afford. Once you are out of Default, you have many options to repay your student loan. You cannot do any of these while you are in Default on your loan.
You can have your Loan forgiven in as little as 10 years in some cases, or after 20 to 25 years in others. This depends on the type of job you have and your pay. If you land a great paying job and can pay off your student loans Great. But if you are finding it difficult to find that Great paying job, we can make your student loan payment affordable. Any amount you may still owe at the end of the time period, will be eliminated.
While you may not be able to just wipe out your student loan debt with a Bankruptcy, you can stop making payments on the Student Loan debt for up to five years, while you eliminate all other debt you may have.
In some cases you can even wipe out your Student Loan debt in full, through Bankruptcy. Contact us today and explore your options. We have been Bankruptcy Lawyers, since 1981. We know how to help.
Since 1981, Legal Services
Chapter 7 Bankruptcy: Chapter 7 is a powerful tool, used to wipe out your debt, both Business and Personal. It will stop all collection actions against you, stop all lawsuits and harassing phone calls and even get you out of a lease on your business property. When your case is filed, the Federal Bankruptcy Judge, immediately issues a Court Order, barring all actions against you, including any action to collect on any debts. This is why Foreclosures, Wage Garnishments, Lawsuits and Collections are all stopped, when you file for bankruptcy.
This process is immediate, and therefore a Bankruptcy filed at 9:00 a.m. will stop a trustees sale set for 10:00 am, that same day. The Court lets you keep most, if not all of your property, when you file for Bankruptcy. The reason is, the Court does not want you to have to go right back into debt, after you file, so they will let you keep your car, all your household possessions, your home and your retirement accounts. Our office files your case "electronically". That is when the Bankruptcy Protection starts. It is immediate.
About 6 weeks later, you will need to go to the Court and meet with a Bankruptcy Trustee. They will have reviewed your paperwork and will ask for documents proving your identity, ie drivers license and social security card. They will then ask you to verify that you listed all of your debts and all of your assets. They will then ask if any creditors are present with any questions. You are then free to go. The whole process takes only a few minutes, when done properly. Our office has been specializing in Bankruptcy Law since 1981, and we know how to get the job done and done properly. The Court will issue a discharge of your debts and your case will be concluded. We have found that most of our clients have a 100 point increase in their FICO credit score within about a year after filing. Contrary to what you may hear, a Bankruptcy will usually improve your credit, not have a negative effect on you. It will not ruin your credit for the rest of your life. In fact, very quickly , most people can obtain a car loan, a home loan and even new credit cards if they want them.
Chapter 13: We can stop a foreclosure, pay back missed house payments at 0%, and "strip" off 2nd or 3rd Mortgages on your home, by filing a Chapter 13 Bankruptcy.
Chapter 13 is a repayment plan, where you pay what you have left over from your income each month, after expenses, to a trustee, who then pays your creditors. Plans last from 3 to 5 years. You do not have to pay 100% of your debt, in fact many plans only pay 2% or 3% of the debt, but at the end, if you have made all Chapter 13 payments, all of your debt is forgiven. 100% forgiven. You can pay back any missed payments you may have on your home mortgage, at 0% interest. If your home is worth less than what you owe on your 1st mortgage, you can "strip" off any 2nd mortgages, and pay them with the rest of your unsecured debt. That means, at the end of your plan, you will have paid off both your credit cards as well as your 2nd mortgage, and probably for only pennies on the dollar. As long as you are making your payments, the Court will provide protection, preventing foreclosure, wage garnishment and any collection attempts against you. Chapter 13 is a powerful tool, and should be given serious consideration by anyone in financial trouble. You can keep your assets while in the Chapter 13, and you are protected by the Court.
Call us today to find out how Chapter 13, a Chapter 7 or Student Loan negotiation can improve your financial health. Bankruptcy wipes the slate clean, giving you a fresh start and peace of mind, about how you will pay your bills.
©1981 - 2014 Law Offices of Scott Hanssler