Call The Cocirteu Law Firm to help end your creditor woes.

Filing a bankruptcy can end creditor harassment, stop foreclosure, stop repossession, put an end to your credit card debt and stop a garnishment. Scroll Down to get some basic details.

Call us today to see how we can help!


  Debt consolidation not the answer

If credit counseling is not working or has turned out to be different than it was marketed, you are not alone. Individuals nationwide have been misled into credit counseling programs that are expensive, unenforceable under state and federal law and damaging to credit ratings. A Chapter 13 court protected plan may be no worse on your credit, will almost always be interest free and you are able to pay all or a portion (pennies on the dollar) of your debt to your unsecured creditors (i.e. credit cards). Your Chapter 13 monthly payment should be affordable. Your Chapter 13 plan will be signed by a federal Judge making it fully enforceable under state and federal law. If your credit counseling program is simply not working call our offices today for a free comparison.

-in debt because of a failed marriage or cosigned loans
-overwhelmed with high interest finance company personal loans
-stuck in the pay check advance cycle that never ends
-have back taxes which require a payment plan
-being threatened by Utility companies to shut off your gas, lights, telephone or water

Call The Cocirteu Law Firm to help you end all these problems!

Stop Creditor Harassment

As soon as you file for bankruptcy, your creditors may no longer contact you. If your creditors are calling day and night, you should consider bankruptcy. Call today at 216-381-8800 and stop creditor harassment.

Stop Foreclosure

If your home is in Foreclosure, a Chapter 13 court protected repayment plan will stop the foreclosure dead in its tracks. In Chapter 13, you will be provided the opportunity to get caught up on your mortgage payments over a five (5) year period - with reasonable monthly payments. As soon as you file for Chapter 13, the automatic stay serves to put an end to the foreclosure lawsuit. You must file your Chapter 13 before your home is sold at Sheriff's sale. Contact our offices today for a free consultation.

Stop Repossession

If you are behind on your car payments, your car lender may repossess your car at any time. Chapter 13 provides a solution. In Chapter 13, your car will be protected and you may modify your car loan down to the fair market value of the vehicle. This will reduce the amount that you must pay for the vehicle. Even if your car has already been repossessed, if you file for Chapter 13 protection, your car lender must return the vehicle to you. If your car has already been sold at auction, you may not be able to demand the return of your vehicle. Contact our offices for immediate vehicle protection.

Credit Card Debt

Filing Chapter 7 or Chapter 13 will put an end to those never ending credit card payments. You may qualify for a complete discharge of your credit card debt in Chapter 7 which provides complete relief from these debts. If you file Chapter 13, then you will be required to pay a portion or all of your credit card debt through a court protected repayment plan. Even if you pay all of your credit card debt, it will almost always be interest free.

Stop Garnishment

Filing bankruptcy, Chapter 7 or Chapter 13, will protect your paycheck and stop all wage garnishments. For most debts, the garnishment will stop and the garnishment causing the debt will be eliminated ( Chapter 7 ) or be reduced (Chapter 13 ). Protect your wages today by contacting our offices as soon as possible.

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