Unique Bankruptcy Solutions
Team approach that includes hands-on attorney involvement from start to finish
Serving Nebraska and Iowa, Alhejaj and Associates, P.C. advises people who are considering bankruptcy as a means of debt relief and advocates for them at every stage of the process. Developing complete strategies tailored to each client’s unique circumstances and needs. Whether you’re looking to discharge your debts through Chapter 7 bankruptcy, create a fair repayment plan under Chapter 13, or defend your home from foreclosure, our firm has the skill and experience to help you achieve a resolution that gives you financial freedom and peace of mind.
Free financial analysis with no commitment
Starting with a free financial analysis, my firm takes the time to identify the best way to help you overcome financial hardship and offers reliable counsel in matters relating to:
- Chapter 7 bankruptcy — Filing for Chapter 7 bankruptcy gives people the opportunity to move past certain debts that they otherwise would not be able to repay. When someone comes to our office seeking this type of relief, we first determine if their income is low enough to qualify for this relief under the means test. Our attorney makes sure that clients understand the types of debts that can’t be eliminated during this process, such as student loans and child support obligations. Our lawyer also advises on how they can hold on to their home, car, wages, pension, retirement and life insurance benefits while ensuring their other debts are discharged.
- Chapter 13 bankruptcy — Some people refer to proceedings commenced under Chapter 13 as “reorganization bankruptcy.” Unlike Chapter 7, debts are not completely eliminated in these cases. Instead, a repayment plan is established that gives debtors the ability to satisfy their obligations over a period running from three to five years. This can be a good option for people who have a steady job, but need to get back on track after falling behind on payments due to a temporary job loss, a medical condition or divorce. You might also choose this option because it allows filers to hold on to their home and vehicle while easing their monthly financial burden. This type of relief is available to debtors who don’t qualify under the Chapter 7 means test due to having higher income.
- Foreclosure defense — Just because you have missed a few mortgage payments doesn’t mean you have to lose your home. We are strong advocates for Nebraska and Iowa clients who have been threatened with foreclosure. In many cases, financial institutions are willing to modify mortgage terms to make it easier for homeowners to make their monthly payments. If necessary, our attorney can explore how a Chapter 13 repayment plan or Chapter 7 bankruptcy can help stop your lender from taking possession of your home.
Once you seek bankruptcy protection, an automatic stay is issued that bars creditors from communicating with you or taking action to collect what they are owed. This break from the harassment you’ve likely been experiencing can improve your quality of life even before the proceeding is completed. No matter what the best solution might be in your situation, you can trust our attorney to represent your interests effectively and treat you with the respect you deserve.
Helping you start over
Many people fear that filing for bankruptcy carries a stigma that will haunt them for life. This is simply not true: Henry Ford, Donald Trump, Walt Disney, and even Abraham Lincoln are among the countless Americans who have filed for bankruptcy. Alhejaj and Associates, P.C. uses bankruptcy laws for their intended purpose: to help people in financial crisis get a second chance and a fresh start.
Contact an accomplished bankruptcy lawyer for a free consultation
Alhejaj and Associates, P.C. in Omaha represents Nebraskans and Iowans in all types of bankruptcy proceedings, including filings under Chapters 7 and 13. To schedule a free initial consultation regarding your debt relief matter, please call 402-345-1717 or contact me online.