McMillen Law Group

Debt can be scary, creditors daunting! We are here to help. Contact us today for a free consultation!Debt can be scary, creditors daunting! We are here to help. Contact us today for a free consultation!

BANKRUPTCY MYTH #1: You Will Never Get Credit Again if You File For Bankruptcy. FACT: Not true. Although a bankruptcy can stay on your credit report for up 10 years from the date of filing, you can start rebuilding your credit as soon as your bankruptcy is closed and discharged. Many of our clients purchase new homes, vehicles, and even qualify for credit cards a few months after the bankruptcy is concluded. In fact, many creditors will start offering credit right after the discharge. With proper planning and counseling, you can get new credit much sooner than expected.

Did you Know? Bankruptcy was established by the US Government to help struggling Americans find relief from overwhelming debt. You may want to consider bankruptcy if it’s best for you. Call us today and find out if you qualify, We offer Free Consultation.

Over spent on credit cards in 2019? Debt piling up? The bankruptcy and debt settlement attorneys at McMillen Law Group can help you get the fresh start for 2020 that you deserve! Contact us today for your free consultation!

Receive a free Legal Case Evaluation - Find Out Now if You Qualify For Bankruptcy.

Pre-filing Tips for People Considering Bankruptcy. Keep your debts to a minimum before filing. If you are planning on filing for bankruptcy, don’t run up your debts. Your credit and financial history will be checked by judges and creditors, and if it looks as though you are trying to cheat the system, you may not be able to wipe out those debts.

There are four types of bankruptcy cases provided under the law: Chapter 7 is known as straight bankruptcy or liquidation. It requires a debtor to give up property which exceeds certain limits called exemptions, so the property can be sold to pay creditors. Chapter 11, known as reorganization, is used by businesses and a few individual debtors whose debts are very large Chapter 12 is reserved for family farmers. Chapter 13 is called debt adjustment. It requires a de...btor to file a plan to pay debts (or parts of debts) from current income. Call McMillen Law Group for a free Evaluation!

How Can Bankruptcy Help You? Bankruptcy May eliminate Credit Card Bill, Medical Bills, Foreclosure Process, Wage Garnishment. Bankruptcy may also help you protect your home, furniture, car, wages. Call McMillen Law Group and find out if you qualify. We offer FREE CONSULTATION!

Top 10 Reasons People Go Bankrupt 1.Medical Expenses 2. Reduced Income 3. Job Loss 4. Credit Debt 5. Divorce 6. Unexpected Expenses 7. Student Loans 8. Utility Payments 9. Foreclosure 10. Bad Budgeting/Overspending... While bankruptcy can provide a sensible debt solution for some people, others have found that, by consolidating their debts, they can avoid the trouble and expense of bankruptcy and still take control of their finances. Whichever method works, the important thing is to start dealing with the situation as soon as possible Call us today to find out which option works better for you.

Have you asked yourself...When Should I Declare Bankruptcy? Here is a Tip..... There is no perfect time, but there is a good rule of thumb to keep in mind when you’re asking yourself the question: should I file for bankruptcy? If it is going to take more than five years for you to pay off all your debts, it might be time to declare bankruptcy. Call us or book an appointment utilizing our Facebook page to answer or your questions!!

Common Myths About Filing Bankruptcy: 1. Filing Bankruptcy Means I'm a failure. NOT TRUE! 2. I’ll Lose All My Property If I File Bankruptcy. NOT TRUE! 3. All My Debts Will Go Away (and I'll Get My Car and House for Free!) NOT TRUE!... 4. I'll Never Be Able to Get Credit Again. NOT TRUE! 5. I'll Lose My Job If I File Bankruptcy. NOT TRUE, Mostly. 6. Paying Off My Debts Is Always a Better Option. NOT TRUE! 7. Bankruptcy Is Expensive. NOT TRUE! Call today!! We are here to answer all your questions. See more

How much and how soon credit scores can rise: The average credit score for someone who filed Chapter 7, the most common type of bankruptcy, in 2010 was 538.2 on Equifax’s 280 to 850 range. (Scores in the low 600s and below are generally considered poor.) By the time the filers’ cases were discharged, usually within six months, their average score was 620.3.