One of the most difficult decisions that a person can make is deciding to file for bankruptcy. We do not believe that it is a foregone conclusion that a bankruptcy action will be filed when we sit down with our clients for the first time. There are many alternatives to a bankruptcy case. We will review all of the financial information provided by a client and discuss the options. Often, bankruptcy can be avoided if the financial constraints the led to an inability to keep up with bills and expenses is temporary. It might be possible to negotiate with creditors to develop a repayment plan that works for everyone. If bankruptcy is the right decision, we will work with our client to make the process of filing a Chapter 7 or 13 as easy as possible. If a business wants to continue operating and simply needs to restructure existing debt, we will guide the company through the Chapter 11 labyrinth
Over the past decade, many people have found themselves in the position of owning a home that no longer is worth the amount left due and owing on the mortgage with interest rates that make the payments far more than the homeowner’s income can support. Individuals and families may consider walking away from the property or letting the bank foreclose, but there are options available to homeowners. In addition to defense against foreclosure actions, it is possible to modify the terms of the loan to decrease interest rates, reschedule the payment term, or even decrease the principal balance under certain circumstances. Our experienced attorneys are familiar with the government programs and will take advantage of every benefit available to our clients in order to help them stay in their homes.
Whether you are person buying a first home or a business acquiring a new property, real estate involves a substantial investment of money and time. In addition, there is an emotional component that often is overlooked during the process of getting a deal to closing. Our skilled real estate attorneys understand the complexities of structuring a real estate transaction. Our lawyers are experienced in negotiating and drafting contracts, developing lease agreements, structuring financial agreements, starting necessary business entities, and completing all other aspects of a successful real estate deal. However, we also believe in representing our clients with honesty and integrity, acting as part of a team in order to ensure that all requirements are met, not only the formalities. This professional philosophy enables us to respond quickly to the unique needs of each of our clients.