What would it mean for you and your family to get a fresh start free from your debts? If you have been juggling credit card payments, mortgage payments and other bills for more than a few months, the truth is, you are probably not going to work your way out from under your debt. Your creditors hold all the cards - except one: The U.S. Bankruptcy Code.
The U.S. Bankruptcy Code was established at the beginning of our history to give well-meaning, hardworking people a chance to start over free from debt. It is federal law and not wrong to want to do right for your family's financial future. I am attorney Edward D. Magauran.
The U.S. Bankruptcy Code was established at the beginning of our history to give well-meaning, hardworking people a chance to start over free from debt. It is federal law and not wrong to want to do right for your family's financial future. I am attorney Edward D. Magauran.
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I have been a Hawaii consumer bankruptcy lawyer since 1995. Before representing debtors in bankruptcy, I was exposed to bankruptcy by representing creditors as a Honolulu bankruptcy attorney. I quickly saw that the way to really make a difference (which was why I went to law school in the first place) was to assist the honest but unfortunate debtor to gain a fresh start.
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I am Honolulu bankruptcy attorney Ed Magauran. I have been practicing for more than 20 years, including some years as a bankruptcy lawyer for creditors. Today, I focus my entire practice on helping people like you get out from under the crushing burden of debt. Not all bankruptcy lawyers are the same.
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If your house is worth less than you owe on your first mortgage and you otherwise qualify for a chapter 13 bankruptcy, the second mortgage, if you have one, can be "stripped." The bankruptcy court recognizes that if the house were to be foreclosed on, it would sell for less than is owed on the first mortgage and the second mortgage would get nothing.
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Once you file for chapter 7, your bankruptcy estate is created and the Court sets the date of the meeting of creditors or 341a hearing. The hearing is normally 30-45 days after the date of filing. All of your creditors are notified of the meeting and that you filed for bankruptcy. They or their counsel can ask you questions about the nature and validity of the debts at the meeting of creditors.
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Do yourself and your family a favor - stop worrying about your debt. It won't do any good, and it won't do anything to help you get a fresh start. You need to take the first step toward a new tomorrow, and I can help with a free no strings attached consultation to discuss your options. From wherever you are in the Hawaiian Islands, call my office in Honolulu.
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