Services
Thank you for taking the time to learn about Billy Price Attorneys at Law. We realize you have many options when it comes to bankruptcy attorneys. However you don’t always have the information you need to select the attorney that will best represent and serve you. Our goal is to help you during this difficult time to make the best and most informed decisions.
At Billy Price Attorneys at Law we approach our service in two specific ways:
First, we take an interest in helping you. We begin by helping you evaluate your current reality and what that means for you. When you have the right knowledge you have the ability to make good decisions.
Second, we will provide assistance for helping you get back on track financially. Here are some of the services we provide:
Bankruptcy
Bankruptcy is a legal means to reorganize your debts. A bankruptcy can help you catch up on your mortgage, car payments, IRS debt and past due child support. If you cannot afford to repay your unsecured debts (usually credit cards) these debts will be discharged. You will not need to make payments on your discharged debts. Bankruptcy is designed to give you a financial fresh start. When you complete your bankruptcy case, you will be current on your mortgage and other secured debts and the dischargeable unsecured debts will be wiped away. If it is not possible for you to catch up your secured debts (usually a mortgage) you can return the collateral to the lender without paying a deficiency. A bankruptcy will stay on your credit for 7 to 10 years. Because the bankruptcy fresh start is so powerful, many of our clients notice that their credit scores are higher after completing a bankruptcy.
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Chapter 7
A person who resides in the United States may file for bankruptcy in a federal court under Chapter 7. In a Chapter 7 bankruptcy, you may be allowed to keep certain exempt property. Most liens (such as car loans, security interests and real estate mortgages), survive.
Contact us for more information about Chapter 7. -
Chapter 13
Chapter 13 is a way to income-receiving debtors a debtor rehabilitation provided they fulfill a court-approved plan. This is a bit different from Chapter 7, which offers immediate and full relief of many overwhelming debts. Chapter 13 is a form of debt consolidation.
Contact us for more information about Chapter 13.
Consumer law
Consumer law is a broad term that describes the kind of law we practice. As consumer lawyers, we represent individual and small business debtors. We do not represent creditors. These case usually involve creditor harassment.
Credit Card Defense
Credit Card Defense is the term we use when a client is being sued by a credit card company and would like to defend the lawsuit in court or negotiate a settlement with the creditor. If you are being sued by a credit card company (or any creditor), it is important that you call us right away. Your court date may be approaching and we need to file a response quickly to effectively defend against the lawsuit.
Creditor Harassment
is the term we use when a client is being harassed by one of their creditors. Creditor harassment may include incessant phone calls, illegal threats or foul language. Basically, creditor harassment occurs when your creditors do not treat you with respect or dignity.
