We may be able to help.  Bankruptcy can give you a fresh start.  Bankruptcy can give you some breathing room so you can see your situtation a little more clearly.  If you are facing foreclosure or repossesion, Bankruptcy may give you a chance to catch up on your house payments or car payments and keep your home or vehicle.   If you have a lot of medical debt or credit card debt, you may be able to hve those debts forgiven, or discharged, by filing bankruptcy.   If your income is below a certain level, you may not have to pay any portion of your credit card or medical debts.  

You may be able to cancel a lease or rental agreement by filing bankruptcy.

Please feel free to call me at 604-4525 to discuss your financial situation with no obligation.

We have defended people accused with all sorts of crimes:  possession of  controlled substances (methamphetamine, cocaine, crack cocaine, and marijuana, tylenol with codeine), conspiracy to possess controlled substances, aggravated robbery, bank robbery, murder, illegal re-entry by an alien into the United States, theft of property (embezzlement, shoplifting, and other forms of theft),  felon in possession of a firearm, rape, enticement of a minor (police stings to lure men into supposed meetings with underage girls), food stamp fraud, Medicaid fraud, forgery, and many others.

Please call me at 501-604-4525 to discuss your criminal case at no obligation.  Whether you hire me or not, don’t talk to the police without a lawyer present if you even think you might be a suspect.  A wise old attorney once told me that a lot more people have talked themselves into the penitentiary than out of it.

Chapter 7 is a liquidation of debts.  If the Court approves a Chapter 7 plan, you do not have to pay anything to your creditors.   Most people who qualify for Chapter 7 do not have to give up any property as a result of  filing bankruptcy.   At the end of the bankruptcy, your debts or fogviven, or discharged.  Not all debtors qualify for Chapter 7, but if you do, then you don’t have to make payments over time.   The filing fee for Chapter 7 is $299.00, and attorney’s fees are paid on the front end. 

Chapter 13 is a payment plan in which you pay off all or a portion of your debts to creditors over a period of time, up to 5 years.  In Chapter 13, you  pay a portion of your income to the Chapter 13 Trustee, who then pays most of that money out to creditors.   In order to qualify for Chapter 13, you must have a regular source of income.  This can be wages, self-employment, or perhaps disability benefits or a pension.  Chapter 13 has some advantages over Chapter 7.  A Chapter 13 plan can allow you to catch up on past due mortgage payments or car payments and thus avoid foreclosure or repossession.   While the Chapter 13 debtor must pay a filing fee of $274.00 up front,  there are no additional out of pocket fees to get started.  Attorney’s fees are paid through the Chapter 13 plan.    

If you are having trouble with debts and need advice, please call me at 501-604-4525.   We understand that anyone can get into debt trouble.    We will treat you with respect.  Filing bankruptcy can stop the harrassing phone calls from debt collectors, it can stop garnishments, and you may be able to prevent foreclosures or repossessions.   I will happy to talk with you, either in person or by phone, with no obligation,  to decide whether bankruptcy is right for you.

Over the last 29 years, I have helped many people qualify for the social security disability benefits and SSI they deserve.  Their conditions have included fibromyalgia, arthritis, heart disease, heart transplants, pain syndrome, RDS, vision problems, depression and other mental health conditions, lung disease, thyroid problems, and gastrointestinal conditions.

The Disability Claim process is pretty convoluted, if you ask me.  First you make a claim for disability.  If you get turned down, you request a reconsideration, and the people who looked at your claim the first time will probably turn you down the second time.  Then and only then do you get to present your claim to an administrative law judge.   This can take a matter of months.  During that time we can help you prepare for your hearing by gathering the records which support your claim.     If the Administrative Law Judge rules against you, you can appeal to the Appeals Council, and if it rules against you, you can appeal to federal court.  I have won Social Security Disabiilty claims at every level from reconsideration to federal court. 

If you have been turned down by the Social Security Administration, please call me at 501-604-4525.  Let me show you what we can do for you.

I welcome your phone calls and e-mails.  My office telephone is 501-604-4525.  Me e-mail address is srd@stevenrdavislaw.com.

I welcome your phone calls and e-mails.  My office telephone is 501-604-4525.  My e-mail address is srd@stevenrdavislaw.com.