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© 2019 Pugh & Karpov Attorneys at Law

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Pursuant to federal law, Pugh & Karpov is a debt relief agemcy and helps people file for consumer bankruptcy relief under title II of the United States Code.

BANKRUPTCY

A fundamental goal of the federal bankruptcy laws enacted by Congress is to give debtors a financial "fresh start" from burdensome debts. This goal is accomplished through the bankruptcy discharge, which releases debtors from personal liability from specific debts and prohibits creditors from ever taking any action against the debtor to collect those debts.

ARE YOU SICK, TIRED AND FRUSTRATED WITH YOUR FINANCES? BILLS ARE PILING UP? LOSING SLEEP OVER THE FAMILY BUDGET?

WE CAN STOP COLLECTOR'S CALLS,  GARNISHMENTS, FORECLOSURES, REPOSSESSIONS, CIVIL PENALTIES AND LATE FEES AND HELP YOU AND YOUR FAMILY TO GET A FRESH START.

Most of Americans count on their earnings to make ends meet. We go to work and pay the bills from our paychecks. We make our financial decisions and making commitments based on what we believe we can afford. But sometimes life happens: death or serious illness, divorce or a job loss can easily derail all our well-thought plans and the "past due" notices will start piling up in your mail box. Majority of our bankruptcy clients experienced some troubling life event that caused the financial hardship. 

 

We understand that filing bankruptcy is a difficult decision, involving severe financial hardships and emotional anguish. 

We promise effective legal representation at an affordable price.

  • Bankruptcy Chapter 7 filing for an $800 attorney fee  (plus court's fees)

  • Help you decide what type of bankruptcy is right for your specific circumstances and provide you straight-forward honest advice. 

HERE ARE SOME ANSWERS TO THE MOST FREQUENTLY ASKED QUESTIONS:

When is a right time to file?

Once you realize that your financial situation is not likely to improve and you have exhausted all possible means of fixing the situation yourself, call us immediately for a free consultation: once we are retained we can curb the calls from your creditors so that you can regain your peace of mind and go on with your day to day life. 

What type of bankruptcy should you file - Chapter 7 or Chapter 13?

Whether you should file Chapter 7 or Chapter 13 depends on your unique financial circumstances of each individual. One Chapter may be right and work miracles for you and your family, but will not work for someone else. We will closely analyze your financial situation, your assets and obligation and will advise you on the best course of action.

Can I just file for bankruptcy myself?

If you are the type of the person who would try to fill the cavity in your tooth with some "Bondo" or "Crazy Glue" instead of going to the dentist, you sure can try to file for bankruptcy yourself too, but can you really afford it? Mistake in filing may cost you significant and unnecessary losses, including loss of your home, vehicle, or other personal property. Undoing that damage can be a very lengthy and costly process.

 

Will filing bankruptcy stop creditors from calling?

Yes! Once you file your petition with the court the automatic stay prevents the creditors from taking any action to try to collect the debt. No lawsuits, no garnishments, no bank liens, no phone calls.

 

How long after filing will the creditors stop calling?

Once your creditors receive their notice from the court or become aware of your bankruptcy by other means they must immediately stop all collection efforts and can be held in contempt if they fail to do so.

Who deals with the creditors during the bankruptcy?

Once you file bankruptcy your attorney will deal directly with your creditors.

 

Can my employer fire me because I file for bankruptcy?

No. The law prohibits government and private employers from discriminating against you for filing for bankruptcy protection.