What Property Can I Keep?

What Property Can I Keep in Bankruptcy

When people call the Dayton, Ohio, law offices of Stamps and Stamps, Attorneys at Law, they want to know what property they can keep if they file for Chapter 7 or Chapter 13 bankruptcy. They are worried they will be turned out of their homes and that their belongings will be sold out from under them. Bankruptcy lawyer Eric Stamps, the son of our law firm’s founding lawyer Dana Stamps, helps clients understand that this is a nightmare not based in reality.

Most of our clients get to keep all of their belongings. The bankruptcy code is in place to protect people like you from losing everything. The goal is to help people get back on their feet. Do not let fear keep you from obtaining practical information that can guide you back on the road to financial stability.

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Prevent Home Foreclosure

Even if you are months behind on mortgage payments, you can stop the foreclosure process and save your home in a Chapter 13. We encourage you to call our law offices sooner rather than later so that we can counsel you on how to save your home.

Avoid Wage Garnishment

Garnishing wages is difficult. The creditor must file and win a lawsuit against the debtor. If you are the debtor, you will have received a notice of an intent to take money out of your paycheck. Contact an attorney for help as soon as you realize you are unable to continue to pay all of your debt. Seek out legal advice immediately if you have received any document from a court.

Prevent Auto Repossession

If you fall behind even one month in your auto loan payments, many loan contracts state that the loan company can repossess your car— at any time and any place. If you believe you are in danger of having your auto repossessed, contact our experienced lawyer right away to find answers and solutions. If your vehicle has been repossessed, you may still be able to save it through a Chapter 13 reorganization.

Stop Creditor Harassment

Some creditors seem to stop at nothing to collect on their debts. They threaten, they yell and they lie. These are violations of the Fair Debt Collection Practices Act. You have rights and we can help you enforce them. If creditor phone calls are causing you stress, sleepless nights, or worry, you are able to stop those phone calls once you retain our office to represent you in a bankruptcy. You can retain us for as little as $100.00.

Retirement and Pension Plans

Retirement plans such as IRAs, 401ks and pensions are protected under the bankruptcy code. Filing for bankruptcy will not put your retirement in jeopardy.

Call Today for a Free Initial Consultation With a Warren County Debt Relief Law Firm

Stamps and Stamps, Attorneys at Law, offers free initial consultations to get your questions answered and learn how we can help you. Call an experienced debt-relief law firm at (937) 247-6447 or 877-782-6770. Contact us online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.