Mr. Carroll has represented individuals, married couples, and small business owners in thousands of bankruptcy cases over more than 20 years. We offer experienced, competent, and personalized legal representation in both Chapter 7 and Chapter 13 bankruptcy proceedings. Mr. Carroll will be involved in your case from start to finish.
Your case will not be turned over to an inexperienced attorney once you are "in the door" as often happens with large, heavily-advertised, bankruptcy law firms. Instead, your case will receive Mr. Carroll's personal attention. This is extremely important since any bankruptcy filing must be custom-tailored to fit your particular circumstances.
Your case will not be turned over to an inexperienced attorney once you are "in the door" as often happens with large, heavily-advertised, bankruptcy law firms. Instead, your case will receive Mr. Carroll's personal attention. This is extremely important since any bankruptcy filing must be custom-tailored to fit your particular circumstances.
Services
Also known as a fresh start bankruptcy. This type of bankruptcy is usually appropriate for people who have a lot of credit card debt and/or medical bills or other unsecured debts. You may have no more than $125,000.00 of equity in a home and your income must be below the median income for households of your size in this state.
Debt reorganization involving repayment of at least a portion of your debts. This type of bankruptcy is for people who don't qualify for relief under Chapter 7 either because they have too many assets or too much income. Some other people file Chapter 13 because they need to get their driver's license back (if they have not been convicted as a habitual offender) or because they need to stop a foreclosure on their home.
Small businesses are the lifeblood of the American economy but that doesn't ensure success for all; in fact, small businesses carry with them a huge risk of failure. The bankruptcy code recognizes this, and provides small business owners who are facing financial difficulties the opportunity to take a time out to either reorganize or start over.
Backed by the credit card, retail and banking industries, the new legislation makes it more difficult for people to erase all of their debts in bankruptcy, while forcing others on payment plans instead.
Conservatives and the financial services lobbies argue that the new law was needed to curb abuse of the bankruptcy system and teach people to be more financially responsible, while liberals and consumer advocates say that this law unfairly penalizes poor people who may be suffering financially due to illness, divorce or unemployment.
Conservatives and the financial services lobbies argue that the new law was needed to curb abuse of the bankruptcy system and teach people to be more financially responsible, while liberals and consumer advocates say that this law unfairly penalizes poor people who may be suffering financially due to illness, divorce or unemployment.
In order to protect consumers from harassment by unscrupulous debt collectors, Congress enacted the federal Fair Debt Collection Practices Act (FDCPA) and placed limitations on debt collectors in the bankruptcy law. The FDCPA, which is enforced by the FTC, protects consumers from abusive, harassing, or deceptive debt collection practices.
Reviews (4)
Carmen Williams
May 06, 2021
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C. Childs
Sep 26, 2018
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Maria Carmina Peria
Aug 21, 2018
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Carroll Terence have much more experience. I felt so confident and comfortable until the final day because he helped me through the bankruptcy process and achieve my goal getting out of debt. Although it's not cheap but the result is more than what I payed for. I am so glad that I seek and take Mr. Terence's services. He is very dedicated to his profession.
Veronica Cervantes
Jul 09, 2018
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