Get Immediate Debt Relief Now!
No Upfront-CostOften, clients have multiple debts of different types because they have been struggling to pay anything due to deteriorating financial circumstances. Bankruptcy is their only option, but the question is which kind of filing do they need? When money is tight a zero down bankruptcy can be the right choice.
Chapter 7 bankruptcy is often called clean-slate, fresh-start, or liquidation bankruptcy because debtors can erase all their unsecured debts without losing major items that are essential for living, like their homes and cars.
Why You Might Need a Zero Down Bankruptcy Filing
There are many reasons why people find themselves in situations that need an emergency bankruptcy filing. But in reality, the need for urgent action can be hampered by the fact that clients don't have the necessary cash to get started. Knowing this to be a common problem, my professional SJK Bankruptcy team can help you save your assets by waiving the need for an upfront down-payment. Essentially, this allows you to start the bankruptcy process for free!
It is a fact that the most common emergency reasons for filing bankruptcy relate to home foreclosures, vehicle repossessions, and garnishments, but often clients don't have the cash to get the process started.
- The reasons for foreclosures range from a homeowner's inability to pay the mortgage to problems relating to loan modifications. In many ways, the latter is more traumatic than simply not being able to meet monthly mortgage payments. A typical example is a client who has been working on a loan modification who finds out that the loan wasn't approved. Although he was convinced it would be approved, he is caught off-guard and finds that the lender forecloses the very next day. The only option is to file for bankruptcy – and to do it quickly. But he doesn't have the necessary cash to do so.
- Car repossessions often result in a similar scenario. I have often met clients facing car repossession when the repo truck was literally at their home waiting to take the vehicle away. Their only option is to get immediate protection from their lender by filing bankruptcy, but there's no cash for the filing fee.
- When it comes to garnishment, because a client isn't receiving their full wages, or the money they have in the bank has been frozen, there isn't any way to make a down-payment to file.
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How The SJK Law Firm Can Help
When I have clients who need to file bankruptcy they are usually in turmoil, facing overwhelming debt, and their finances are in a mess. I know that there are times when bad things happen when things that genuinely can’t be helped go wrong. Many of my clients have lost their jobs, or have been injured, or have become ill and are facing enormous medical bills.
The SJK Law Firm team is compassionate and I am particularly understanding when it comes to emergency bankruptcy filings. My team and I really do try to help as much as is humanly possible.
If you can’t find the money for a down-payment, call me to discuss our zero-down bankruptcy options. Let us help you stop repossessions, foreclosures, and garnishments that will only make your situation worse.
Contact The SJK Law Firm to see if you qualify to start your bankruptcy process without paying an initial down-payment.