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Attorneys Protecting Your Assets
In today’s highly mobile society, you must have constant access to your car, truck, motorcycle or SUV in order to get to your job, so you can provide for your family. If you are a small businessperson who calls upon clients or delivers goods, your motor vehicle is your job. When a bank or lender tries to repossess it because you have fallen behind on your payments in a time of dire financial distress, you have rights that must be protected.
In Hudson, throughout Wisconsin, and across eastern Minnesota, the lawyer who protects those rights and guides you to a brighter future with a wealth of consumer bankruptcy legal knowledge is a member of the team at Nicolet Law Office, S.C.
Under the direction of founding attorney, Russell Nicolet, we have helped many individuals and families with federal debt relief strategies and workable alternatives to bankruptcy. We can customize a solution to suit your unique needs, listen carefully to your goals and develop a plan that is right for you — a Chapter 7 liquidation or Chapter 13 debt reorganization approach, or a Chapter 128 bankruptcy alternative.
Personally Attentive To You — Personally Dedicated To Your Case
Simply put, filing for personal bankruptcy can halt a vehicle repossession and help you save your automobile. A Chapter 7 or Chapter 13 bankruptcy activates the “automatic stay,” which stops all repossession efforts against you. It can also prevent home foreclosure, wage garnishment and creditor harassment while you buy time to catch up to your debt.
Chapter 13 bankruptcy allows you to repay your past-due balance over three to five years. Plus, if you file for Chapter 13 and your car loan is older than 910 days, or two and a half years, Nicolet Law Office may be able to employ a “cram down” or “redemption” strategy to force your creditors to accept payments for the actual value of the vehicle, as opposed to what you owe. It may also be possible to negotiate a reduction in your loan’s interest rate.
For hard work toward solutions tailored to your specific situation, contact a Nicolet Law Office, S.C., repossession defense attorney. We offer a free initial consultations and maximum availability to his expertise from start to finish of the legal process. Our toll-free number is 800-456-6956. We offer flat-fee bankruptcy, payment plans and reasonable fees.