Compassionate & Experienced Legal Representation
At first glance, payday loans are an attractive way to get money. The premise is simple: a lender gives you cash in advance of a paycheck and you repay them as soon as your employer pays you.
The problem is that most payday lenders attach an extremely high interest rate, which means that you end up giving back far more than you received. Additionally, because it is typically a short-term, easy way to get money fast, it typically turns into a cycle of taking out cash advances, just to pay back what you owe on the last one.
Getting caught up in this cycle is what leads many of my clients to the brink.
Fortunately, these debts are unsecured debts that can be discharged through Chapter 7. Payday lenders may try to argue that you acted with fraudulent intent when taking out a cash advance, meaning you never intended to repay them, especially if your last advance was within 70-90 days of filing. However, in most cases, the court will recognize the cyclical nature of payday advances and will treat these loans the same as any other dischargeable debt.
Contact Huebner Law Firm, PC today to request your free case evaluation!
- Drowning in debt
- Feeling stressed because of your finances
- Being harassed by creditors
Why should I file for bankruptcy
There are a number of benefits to bankruptcy, including avoiding foreclosure and putting an end to creditor harassment. Filing can also help resolve issues concerning repossession, past-due taxes, child support payments, and wage garnishments. If you’ve been sued because of a debt, filing for bankruptcy can also help you fight the lawsuit. I can help you understand what filing can mean for you and your family.
Will I lose all of my property
You might be surprised to hear that individuals who file for bankruptcy often lose little to nothing. Every case is different and the amount that you might have to forfeit depends upon a number of unique and complex factors. However, our firm is proud of our success in helping clients retain those assets that are important to them.
Can all debts be discharged
Most debts can be discharged in a bankruptcy, but not all. Some debts—such as most taxes, child support and alimony payments, and student loans—are nondischargeable, meaning they cannot be eliminated altogether. Fortunately, for these debts, it is possible to reschedule or re-organize your payments to be more manageable.
How does bankruptcy work
Bankruptcy can work in one of two ways. First, by filing for a form of bankruptcy referred to as Chapter 7, you can eliminate all dischargeable debt, including credit cards, car loans, mortgages, medical bills and more. Second, you can file a form of bankruptcy known as Chapter 13, which works to re-organize your debts to give you a longer period of time to pay them off. Chapter 13 is preferable to individuals dealing with nondischargeable debts, do not qualify for Chapter 7, or have high-value assets that they wish to protect.
Why do I need a lawyer
You could certainly file for bankruptcy on your own, but it’s not recommended. You’re already anxious enough without the added complexities of navigating the legal process. Having a lawyer handle your case takes the responsibility off of your shoulders and ensures that every detail will be handled correctly and on time. Not sure you can afford an attorney? Huebner Law Firm, PC offers flexible payments plans to help with your bankruptcy case. Get in touch to learn more.
When will I see results
The timeline for bankruptcy can vary on a case-by-case basis. In general, bankruptcy cases are completed between three to six months, depending on a variety of factors. As your attorney, it is my job to make sure the process is completed efficiently and to fight for your rights every step of the way. Speeding can lead to costly mistakes.
For nearly 20 years, my firm has fought relentlessly for people struggling with debt, many of whom are just trying to get by. We have provided the one thing our clients need: results.
Many families fear bankruptcy as much as they fear asking a lawyer for help. The first thing we want you to know is bankruptcy is not an admission of failure; it’s a way to reclaim control over your financial situation. With that in mind, you can ask for help freely, without worry.
My firm has an in-depth understand of the law and how it affects your finances. Our primary goal is to free you from debt and stress. With our understanding of the law and a thorough examination of your situation, you can be sure certain that we’ll explore every possible avenue of debt resolution.
There’s nothing to lose—our initial consultations are free and starting your case requires no upfront payment. Our flexible payment plans begin at $25 a week, so call today!
Courts judge people, but we don't.
We are backed by 18+ years’ experience.
We offer completely free consultations.
It is $0 down to start your case.
We offer competitive pricing.
Our payment plans start at $25/week.
We have helped over 10,000 families.
We make weekend appointments available!