How We Can Help You

I Have Been Served with a Lawsuit and Don’t Know What to Do

Being sued by creditors is not something that should be ignored. The ultimate way to stop a creditor lawsuit is to file either Chapter 7 or Chapter 13 bankruptcy. The bankruptcy code prohibits creditors from taking any further action against you to collect debt. In other words, once you file for bankruptcy, creditors cannot garnish your wages, levy your bank accounts and/or place liens against your assets. At the Bereliani Law Firm, we will look at the specific facts of your case to determine whether Chapter 7 or Chapter 13 will be the best option in your case.

I am Facing Foreclosure

If you are facing foreclosure, bankruptcy may be your only solution to save your home. In the majority of cases, filing a Chapter 7 bankruptcy can delay the foreclosure for a number of months. You may also be able to save your home by filing for Chapter 13 bankruptcy.

When you file either a Chapter 7 or 13 bankruptcy, the court issues an automatic stay that directs the lender to postpone the foreclosure sale until they are permitted to do so by the court. Chapter 13 is usually more effective at helping individuals to keep their home because it gives them time to repair their finances and devise an income-based budget with monthly payments made to trustees.

At the Bereliani Law Firm, we will look at your individual situation to determine what is the best option to save your home from foreclosure.

What Will Happen to My Debt

The main reason to file bankruptcy is to discharge, eliminate and wipe out debt. Although the majority of debts can usually be eliminated in a bankruptcy proceeding, certain other debts will not.

A Chapter 7 will permanently wipe out the majority of your debt, including credit card debts, medical bills, and personal loans. However, some debts cannot be eliminated, such as student loans, most taxes, and child support or alimony.

A Chapter 13 filing will allow you to reorganize your debt and make payments only to the extent possible based on your income.

For more information regarding which debts will be completely eliminated in a bankruptcy filing, please contact The Bereliani Law Firm.

How do I Stop Harassment from Creditors

Once you have filed either a Chapter 7 or Chapter 13 bankruptcy, creditors are prohibited from contacting you in any manner to collect on a debt. With a bankruptcy in place, creditors cannot initiate or continue any lawsuits against you.

In the event that a creditor continues to contact you to collect a debt after you have filed bankruptcy, they would be in violation of the Fair Debt Collection Practices Act (FDCPA) and bankruptcy codes. In such cases, you may be entitled to monetary compensation.

Once you have retained The Bereliani Law Firm to file bankruptcy, we will personally deal with the creditors so they will stop harassing you.

My Car Was Reposed, Can I Get It Back?

There is no doubt that once a bankruptcy is filed, a creditor is prevented from repossessing your vehicle. But what is not well known is that when a secured creditor repossesses a debtor’s car before the bankruptcy is filed, the debtor can still get the car back and save it.

If you file Chapter 7, the automatic stay by the bankruptcy court will prevent the lender from selling your car without court permission. This provides you with a good opportunity to negotiate with your lender and get your car back.

To learn more about how bankruptcy will save your car if it has been repossessed, please contact The Bereliani Law Firm.

Client Reviews
Sanaz is an amazing attorney. She was professional, thorough as well as timely in answering all questions. She was cautious with all details and helped me through the entire process definitely recommend her. Aaron M
I had a consultation with Ms. Bereliani. She gave me great information and referred me to resources I didn't know was available to me. I felt she was honest, knowledgeable, and non-judgemental. Mabel R
To be frank, I couldn't have asked for a better attorney for something as hard to do as file for bankruptcy. Though I am on top of my details, she is so thorough, that if I had been neglectful, she and Chris would have helped keep me on track. Mark G
I can say I wish I never had to hire a lawyer for bankruptcy services, but I couldn't have picked a better lawyer for the job! Sanaz was so caring and kind and walked me through the entire process step by step. Cassie C
Sanaz, I want to thank you and your team for doing such an amazing job. You are not only a highly qualified attorney with an outstanding skill set in bankruptcy law, but you are also an attorney with heart and compassion. You took a moment in my life that felt devastating and brought the human element to me. I knew from the onset after our first call that you were the person for the job. Your guidance, patience, and command of your craft brought me and my family comfort. I would not have made it across the finish line if it weren't for you and your team and the love of my family. Feel free to use this testimonial as you see fit. JG