Handling Chapter 7 & Chapter 13 Filings
At Hayward, Parker, O´Leary & Pinsky, Esqs. our bankruptcy law firm focuses its practice on consumer bankruptcy law and the protection of debtors´ rights. Attorneys Michael O’Leary and Michael Pinsky devote their entire careers to helping clients obtain Debt Relief and representing them in two types of consumer bankruptcy:
Are you beginning to recognize some of the Warning Signs of impending financial difficulty?
- Chapter 7 Bankruptcy--which involves the elimination of credit card debt, medical debt and unsecured loans; and
- Chapter 13 Bankruptcy--which involves repaying your debt over a period of time with manageable monthly payments, and can be used to stop a foreclosure of your home
Our bankruptcy law firm understands how humiliating it can be to be on the receiving end of constant Creditor Harassment, at home and at work, from debt collectors and collection agencies . We can help you eliminate this Creditor Harassment and obtain peace of mind and a fresh start, making you able to answer the telephone without fear of creditor abuse. If your house is in Foreclosure we can help you bring the legal proceedings to an immediate halt, allowing you to repay the missed payments over a period of up to five years.
In some circumstances the terms of your home mortgage loan can be modified through the Bankruptcy Court’s Loss Mitigation Program.
Our bankruptcy attorneys do not represent big businesses in Chapter 11 bankruptcy which involves corporate reorganizations, nor do we represent creditors. We only represent people like you who are struggling to pay their debts or save their homes from foreclosure.