Raleigh Chapter 7 & 13 Bankruptcy Lawyer
You can take control of your financial future today. Filing for bankruptcy will put an immediate stop to creditor harassment, collection calls, and the seizure of your bank account and assets. It will also temporarily hold off foreclosure and repossession. This will give you a chance to save your property. I am attorney Ruben Fernandez, and from my office in Durham, I am ready to help you get debt relief through chapter 7 or 13 bankruptcy.
Guiding You Through Financial Transition
Contact the Law Office of Ruben Fernandez
Whether you choose to pursue chapter 7 bankruptcy or chapter 13 bankruptcy, you can free yourself from financial worries, creditor harassment, and threats of foreclosure. I help clients in the Research Triangle and throughout North Carolina. I can help you if you face any of the following:
- Your house payments are too high but you have been denied loans and can't refinance
- You are behind on your house payments and are facing foreclosure
- You are being threatened with repossession of your car or furniture
- You are faced with insurmountable medical bills
Finding the Right Bankruptcy Plan for You
Your ability to qualify for personal bankruptcy will depend on your income level and the types of debt you have accumulated. Every person faces different obstacles. I will help you come up with a plan that works for you and your family. I help people with the following types of consumer bankruptcy:
- Chapter 7 Bankruptcy: If you do not have the ability to pay back your debt based on your income, you may qualify for chapter 7 bankruptcy. If you are approved, you could be debt free within three months.
- Chapter 13 Bankruptcy: If you do not qualify for Chapter 7, you may have the option to pay your creditors over time at a reduced rate in order to save your house and other important assets. After you fulfill your plan under Chapter 13, you will be relieved of remaining debt.
Located just a few blocks from the Durham County Bankruptcy Court, I am ready to answer your bankruptcy questions and help you through times of financial turmoil. Open weekdays from nine to five, I also offer evening and weekend appointments. Contact me today for more information.
