Stop Lawsuits, Judgments and Garnishments
If you fail to pay your debts when due, creditors may sue you and obtain judgments against you. Once they obtain a judgment, they have the right to garnish wages and bank accounts, obtain liens against property and take other actions against you. Filing for bankruptcy stops lawsuits, garnishments and other collection actions immediately. If you act timely, you may even be able to recover funds that were recently garnished.
Hicks & Lickert is an experienced bankruptcy firm that helps people obtain debt relief and a fresh start. We use legal protections afforded by the bankruptcy code to stop wage garnishment, lawsuits and other collection actions. In every bankruptcy case we handle, our goal is to help our client obtain maximum debt relief while keeping as much property as possible.
If you are under threat of garnishment or repossession, or if bill collectors are calling you, do not delay. The longer you put off facing the problem, the more difficult your situation will become.
Contact Hicks & Lickert for a free consultation with an attorney. It could be the first step toward a brighter financial future.
Stop Car Repossession
If you fail to make timely car payments, creditors may repossess your car without even filing a lawsuit or notifying you that they intend to repossess your car. Once the car is repossessed and sold, they can then file a lawsuit against you for the deficiency, which is the difference between what you owe and what the car was sold for at auction.
Filing bankruptcy stops the repossession and buys you time to explore your options, including keeping the car or selling it on your own terms. If you decide not to keep the car, you will not be liable for the debt still owed on the car.
It may be possible to keep your car by filing Chapter 7 or Chapter 13 bankruptcy. Chapter 7 will allow you to eliminate other debts so that you have sufficient funds to make your car payment. Chapter 13 may enable you to significantly reduce your car payment by lowering the interest rate, giving you additional time to pay it off, and even paying back less than what you owe in some cases. Furthermore, you will not need to make up missed payments.
Attorney Doug Lickert has helped many people in the greater Little Rock area stop repossession and enable them to keep their cars. Having once managed a car repossession firm prior to becoming an attorney, Mr. Lickert is uniquely qualified to help you explore your options and to advise you on which bankruptcy option might be best.
Hicks & Lickert wants to help you get back on your feet. Call us today for a free consultation.
Free Consultation With an Attorney
To schedule a free consultation with an attorney about getting debt relief, contact Hicks & Lickert in North Little Rock, Arkansas.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.