Many people are in over their head in debt. They may be behind on the mortgage, facing foreclosure, or have substantial credit card debt, medical bills, tax debt, or a combination of all of these. Collection agencies may be calling regularly, lawsuits may have been filed, and this makes it difficult for people to lead a normal life or even get a good night sleep. It may also seem impossible for these individuals to see a light at the end of the tunnel.
If you are worried about your finances, don't despair. Help is only a phone call away. For more than 32 years, attorney John Ullian of The Law Firm of Ullian & Associates, P.C. has assisted clients who are in financial difficulty by helping them file for bankruptcy and find financial relief. Regardless of how you got into debt, we can help you find a solution.
We Help You Eliminate Debts Forever
Our law firm provides financial relief to clients through Chapter 7, Chapter 11, and Chapter 13 of the U.S. Bankruptcy Code. The filing of a bankruptcy immediately stops any creditor phone calls, lawsuits, wage garnishments, imminent car repossessions, and foreclosure proceedings.
- Chapter 7 bankruptcy. We help people eliminate debts through Chapter 7 bankruptcy, typically without jeopardizing any of your assets, such as your house or car. This enables people to get a fresh start while keeping all their assets. A Chapter 7 bankruptcy can put an end to harassing phone calls from creditors and lawsuits that have been filed. While this type of bankruptcy is a good choice for many clients with financial problems, there are many reasons why this may not be the best solution for everyone, and another bankruptcy option may be a better fit.
- Chapter 11 bankruptcy. We help people and small businesses restructure their debt through Chapter 11 bankruptcy. This allows the clients the opportunity to regain control of their finances by restructuring their debt through a plan to address the creditors over an extended period of time.
- Chapter 13 bankruptcy. We help people file for Chapter 13 bankruptcy so they can reduce or restructure their debts while retaining all of their assets. This type of bankruptcy is often used by people who are behind on their mortgage and want to save their home, or people who own a house that is worth less than the first mortgage and they want to eliminate the second mortgage. Any mortgage arrears, taxes owed, and a percentage of the unsecured debt will get eliminated through a three to five-year debt repayment plan.
Attorneys Who Help You Make The Right Choices
Some attorneys only have experience and expertise with a single bankruptcy solution such as Chapter 7. At The Law Firm of Ullian & Associates, P.C., our lawyers have knowledge and experience with all of the bankruptcy options (Chapter 7, 11, and 13) and understand that each client's financial situation is different.
The solution that we recommend will be the one that best resolves your financial problems, whether it involves a bankruptcy or a nonbankruptcy option. We will be with you every step of the way – explaining your legal options, communicating with you about the legal process, representing you, and keeping you in charge of your financial future.
We wrote the book! See the Publications page on this website for information on Attorney John Ullian's reader-friendly overview of debt issues and solutions through Chapter 7, Chapter 11 and Chapter 13 bankruptcy.
Worried About Debt? | Free Consultation
To schedule a free consultation to discuss your options for a fresh financial start with an experienced bankruptcy attorney, contact the firm online or call 781-848-5980.
The Law Firm of Ullian & Associates, P.C., is a debt relief agency. The firm helps people file for bankruptcy relief under the Bankruptcy Code.