The federal bankruptcy law can be complex and is ever changing.  The decision to file bankruptcy should not be taken lightly and it is imperative that you understand every option available that might alleviate your financial problems.  Those options include the various types of bankruptcy (Chapter 7, Chapter 13, and Chapter 11), and non-bankruptcy options or strategies that may involve debt settlement, debt consolidation, budget adjustments, or perhaps just do nothing as a result of being judgment or garnishment proof.  Making the wrong decision could result in filing an unnecessary bankruptcy, risking the loss of property, or filing a bankruptcy Chapter that may not provide the maximum benefit.  Consequently, you need an experienced bankruptcy attorney who knows the bankruptcy laws and is willing to provide honest and straightforward advice, regardless of whether or not the advice might be in the attorney's best financial interest.

Doug Lickert is an attorney and certified public accountant (CPA) with a Masters of Business Administration (MBA) degree who has more than 25 years diversified financial experience that includes bankruptcy, budgeting, financial planning, and loan workouts for large commercial banks.  He is a member of the National Association of Consumer Bankruptcy Attorneys, which is an organization dedicated to serving the needs of consumer bankruptcy attorneys and the rights of individuals filing for bankruptcy.  He has a passion for helping those in financial need and will explain all of your options in an honest and straightforward manner.  The process starts with a no-obligation free consultation and a detailed examination of your income and expenses to determine what option might be best for your particular situation.

Call Hicks and Lickert at 501-771-1817 to schedule your free consultation.