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Telephone:
(941) 840-0820
Bradenton Atty Walter Sowa, III

Walter Sowa

Bankruptcy, Estate Planning, and Probate Services
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Bradenton Atty Walter Sowa, III

Bankruptcy with a Bankruptcy Attorney can be Affordable…
If you don’t think you can afford an attorney, you cannot afford to do without.

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Please call Attorney Walter Sowa, III for any questions you may have at (941) 840-0820.

Chapter 7 Attorney Fees start and are normally only $1100, a small price to pay for peace of mind, with Payment Plans starting at $300, with FREE CONSULTATIONS.

Whether it’s a Chapter 7 or Chapter 13 bankruptcy filing, you don’t want to hand your entire financial future to a non-lawyer or try to engage in do-it-yourself bankruptcy, thinking it will save you a few dollars. You just won’t save….

12 Reasons Why You NEED To Hire A Bankruptcy Attorney

  1. Bankruptcy isn’t simple. There are many decisions to be made through the bankruptcy process and many areas that are quite complicated. What if you try to file for Chapter 7 individual bankruptcy but earn too much money? There’s an income-based test that relies on your income and expenses. However, the income isn’t your current income and the expenses aren’t your actual expenses. Do you want to file for Chapter 7 and your income is greater than the Median Family Income?
  2. Bankruptcy is a serious decision. You want all the help you can possibly get before deciding to declare bankruptcy, which will remain on your credit record for up to 10 years. A skilled bankruptcy attorney can look at your finances and help you make a very difficult decision.
  3. You cannot afford to NOT have a Bankruptcy Attorney. A mistake in bankruptcy court can have tremendously serious consequences. Property that could and should be exempted is not. Any variety of mistakes could lead to your case being thrown out and you losing your chance for any kind of bankruptcy. More likely is that you won’t be able to effectively answer a question or debate an issue that’s been raised by the trustee
  4. You need protection from creditor harassment. Once you have informed your creditors (for example, collection agencies) that you have retained counsel, then that should be the end of it. They should be informed that you have hired an attorney and then told to call his or her office. A good attorney will call any harassing collectors and make an attempt to get the calls to stop. This saves you time and the money you’d otherwise spend on headache medicine.
  5. You need protection from uncertainty. There are many ins and outs of a bankruptcy petition. There are communications from the court, from the trustees who review your case and even from creditors. Navigating these waters can be stressful, especially because you don’t know how your actions will affect whether your discharge is granted. Your attorney will know exactly how to proceed. Doing it on your own, you won’t.
  6. You need to be protected from what you don’t know. If you file on your own, you’re functioning with a lot less information. What property is exempt and what isn’t. What debt is secured and what isn’t. What happens if a creditor files a dispute? A Bankruptcy Attorney will be there to guide you through the process.
  7. You need to be protected from mistakes. It’s not always so easy to fill out the paperwork correctly. You want to keep your car, but you fail to include it on the petition. This could spell trouble. There are ways to protect a car, but it must be listed correctly, with the proper information in the proper place. This also saves you time (a Bankruptcy Attorney will do the paperwork quickly but it could take you hours) and will also save you the money you’d otherwise have to spend on another car.
  8. You want to keep your house or other property. Do you need to reaffirm your mortgage? Is there equity in your house that should be exempted? What are the exemptions you need to use?
  9. You want to get rid of as much debt as possible. Which debts can you get rid of? Is there something extra to do to get some kinds of debts discharged?
  10. You do not want to have to go back to court extra times. Your lawyer should help you get it right the first time. You do not want to keep going back and forth to court because you did not file something, or did not give the trustee one of the required documents.
  11. You want to keep as much stuff as possible. Property has to be valued and exempted. Are you familiar with the exemptions you can use? Do you know how to value your property? Why would you take a chance on filing yourself? What items could you realistically place on your petition on not wanting to retain, knowing that the trustee will probably abandon the property to you? One item you get to keep, such as a riding lawn mower, would pay for the entire process.
  12. You want to get rid of that Garnishment or Judgment Lien. What happens if your creditor receives notice, but still keeps garnishing your paycheck? What would you do? Also, what happens to that Judgment filed against you? How can you get it removed?

If any of this items apply, and most of the time they do, then you need to hire a Bankruptcy Attorney to help with your Bankruptcy filing.

We offer free consultations to go over your situation, so there’s no guess work or unexpected surprises.

Hiring me as your Personal Bankruptcy Attorney will afford you peace of mind that everything that can be done for you will be done.

Affordability with me will give you dividends in your future. But with that being stated, what are the advantages of hiring a Bankruptcy Attorney?

Advantages of a Good Bankruptcy Attorney are that…

  1. Bankruptcy is a complex process, requiring specialized training. Why would you want to potentially jeopardize a future that you’re trying to change? Hiring a Bankruptcy Attorney with specialized skills to help you navigate the legal challenges is a fundamental way to protect your future.
  2. You get the advantages of real legal advice. A legal aid or document preparer can’t provide that. Friends and relatives can give you erroneous advice that can cost you money. I give you the advantage of real expertise and knowledge.
  3. I can represent you in Court. That’s something no preparer can do. And would you really want to deal with a professional Bankruptcy Trustee on your own?
  4. What’s more, once you have filed for bankruptcy, all the harassing calls and letters will stop, and you won’t have to deal with these creditors intruding on your life. There’s more peace of mind.
  5. I can halt foreclosure proceedings against your home. I can even save your home from foreclosure, and possibly get what you owe on it reduced. Isn’t keeping your most important asset worth retaining a bankruptcy attorney on your behalf?
  6. You can go to your job and get on with your life, rather than having to take time out to deal with Court, your creditors, researching bankruptcy law, and all the paperwork involved.

Please call Attorney Walter Sowa, III for any questions you may have at (941) 840-0820.

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