Practice Areas

Chapter 7 Bankruptcy Lawyer

SERVING ALL OF CENTRAL ARKANSAS

 

Debt does not discriminate. Each year within the U.S., millions of individuals and small businesses file bankruptcy. These people come from all walks of life, and they are facing a wide array of financial problems. Job loss, medical problems and IRS deficiencies are just a few of the struggles people just like you are dealing with across the country. Solutions can be scarce. For those who qualify, bankruptcy can be a beneficial option if they wish to eliminate their debt and embark on a new beginning.

At the Havner Law Firm, we have more than 25 years of bankruptcy law experience. Contact our office to learn if bankruptcy is right for you. “We are the help you need.”

Chapter 7 Bankruptcy

Chapter 7 BankruptcyIf your unsecured debts have become more than you can handle, filing Chapter 7 bankruptcy may be the solution you have been searching for.

THE CHAPTER 7 STIGMA

The concept of Chapter 7 bankruptcy is easily misunderstood. More often than not, our clients’ biggest concern is that if they file bankruptcy, they will lose their property. However, in the majority of cases, this is not true.

Chapter 7 bankruptcy is an elimination of unsecured debt through a one-time liquidation process. If you remain current with the payments of your secured property (home, car, etc.), you will be able to keep the property in your possession. The laws that govern Chapter 7 are in place to help and protect consumers just like you. Bankruptcy offers many advantages:

  • Puts a stop to harassing phone calls from creditors
  • Will delay or stop foreclosure or repossession proceedings
  • Stops any lawsuits or garnishment against you

If you are interested in learning more about the benefits of bankruptcy, we encourage you to call or come into our office. You will sit down with our Chapter 7 attorney to discuss your situation. From there, we will be able to assess your options, and determine whether or not bankruptcy is the right choice for you.

We are here to help protect your and your family’s interests. To speak with our Chapter 7 bankruptcy lawyer, call 800-405-9004, or contact us online. We offer clients free initial consultations.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

If you are considering bankruptcy, but are worried about retaining your home, Chapter 13 bankruptcy may be an option for you. Chapter 13 provides an excellent source of protection and flexibility for those who do not qualify for Chapter 7, but desire the benefits that bankruptcy can afford.

The Havner Law Firm is here to help you regain control of your finances. From our office in White Hall, Arkansas, we provide the support and legal advice our clients need to make a fresh financial start. With more than 25 years of bankruptcy experience, we have the skill and dedication necessary to find a solution that works for you and your situation.

Chapter 13 Bankruptcy

Chapter 13 BankruptcyUnlike Chapter 7 bankruptcy, Chapter 13 may allow you to retain possession of real property, such as your home or business.

Benefits of Chapter 13 Bankruptcy:

In Chapter 7 bankruptcy, your debts are essentially “liquidated.” Chapter 13 bankruptcy differs in that it reorganizes your debt, creating a repayment plan that works for you and your financial ability. The repayment plan usually lasts anywhere from three to five years, allowing you to repay a portion of your debt at an affordable monthly rate. Chapter 13 also offers individuals the ability to:

  • Retain property not protected in Chapter 7
  • Create a more affordable car payment by reducing interest rate
  • Repay tax debts or unpaid mortgage debt

At the end of your repayment plan, any remaining debt will be discharged. If throughout the process you have remained current on your house payments, your home will be protected.

CHAPTER 13 BANKRUPTCY ATTORNEY

At the Havner Law Firm, we are dedicated to seeing you through this emotional and stressful time. We will first help you to determine if you are eligible for Chapter 13 bankruptcy. From there, we will work together, every step of the way, until you have reached financial success.

If you are looking for compassionate and capable legal representation, the Havner Law Firm is your answer. To speak with our repayment plan lawyer, call 800-405-9004, or contact us online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

In today’s uncertain times, people are finding it harder and harder to keep up with their financial commitments. This is especially true for homeowners who purchased their homes at a time when they thought the real estate market was in prime condition for buyers. Unfortunately, with the continuing decrease in the housing market, many hardworking Americans are finding themselves in a position where home foreclosure is imminent.

Are you fighting foreclosure proceedings on your home? Contact the Havner Law Firm to speak with our skilled foreclosure attorney about your options.

At the Havner Law Firm, we help individuals throughout all of Arkansas to successfully navigate their financial issues. Focusing on bankruptcy, we work endlessly to attain effective solutions for clients facing foreclosure.

Like many of our clients, you probably thought foreclosure could never happen to you. However, in today’s economy, foreclosure is a very prevalent issue. People with stable jobs who have never missed a mortgage payment are now finding themselves unemployed and in arrears through no fault of their own. Although you may think you have exhausted every option there is to put a stop on your home’s foreclosure, bankruptcy may be the option you have been searching for.

Foreclosures

ForeclosuresIf foreclosure on your house is imminent, bankruptcy may be able to provide the protection you need to successfully keep your home.

EXPERIENCED FORECLOSURE ATTORNEY

When you file bankruptcy, there is an automatic “stay” or “stop” to the foreclosure proceedings you are facing. If you qualify, Chapter 13 bankruptcy may be a way for you to save your home. If you don’t qualify for Chapter 13, but you do qualify for Chapter 7 bankruptcy, your foreclosure could be delayed for several months, giving you the opportunity to try and get your finances in order.

Foreclosure prevention can be complex. To ensure you and your home are given the most protection, it is best to seek the guidance and advice of an experienced bankruptcy lawyer. To find out if bankruptcy could benefit your situation, call 800-405-9004, or contact us online to speak with a stop foreclosure attorney.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Garnishment of Wages

Garnishment of WagesWe can help you protect your employment wages from being garnished by your creditors.

SKILLED WAGE GARNISHMENT LAWYER

Some creditors will stop at nothing when it comes to recovering debt. When they go as far as taking money directly from your hard-earned paychecks, it can be extremely frustrating, not to mention financially burdensome.

If your wages are being garnished, it is important to know that you have rights. You do not have to sit back and let creditors take the wages you need to provide for your family’s most basic needs. At the Havner Law Firm, we have more than 25 years of experience representing clients facing matters of wage garnishment. We will work to provide more suitable options, allowing you to repay your debt at your own pace, and without the unnecessary meddling of creditors.

Sometimes circumstances beyond our control put us in situations where keeping up with bills becomes unmanageable. Credit card debt and medical debt are two of the biggest issues that Americans are facing today. At the Havner Law Firm, we know that more than anything, you desire a fresh financial start for you and your family.

Bankruptcy can be an effective solution for those who wish to fight back against their creditors. Filing bankruptcy will put an immediate stop to your existing wage garnishments, and it will also put on hold any creditors’ lawsuits that are currently pending against you.

THE HOPE YOU NEED

Let us help you put a stop to wage garnishment. Through bankruptcy, we can help you regain control of your finances, and move toward the fresh start you need. Our talented attorney has been helping clients for more than two decades. His dedication is second to none. We will stop at nothing to ensure you secure a path toward financial freedom.

To schedule a free initial consultation at our White Hall office, call 800-405-9004, or contact us online. Our garnishment of wages attorney is ready to help you.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Creditor Harassment

Creditor Harassment: If you are tired of the harassing calls and letters from your creditors, we can help you fight back.

Creditor Harassment

If you have been unable to keep up with the monthly payments for your debts, you have probably already begun to receive the harassing phone calls and letters from your creditors. The calls and letters may threaten legal action, including the garnishment of your hard-earned wages.

Although you may think that if you ignore the creditors long enough, they will eventually stop their harassment, this is unfortunately not the case. In most cases, the only way creditors will stop badgering you and your family is if they get what they want, or if they are legally forced to stop.

Are the threatening letters and phone calls becoming more than you can handle? Protect you rights by retaining an experienced bankruptcy lawyer to represent your case. At the Havner Law Firm, we help clients fight back against creditors in an effort to put an end to the harassment. Contact our office to schedule a free initial consultation.

HOW WE CAN HELP STOP HARASSING PHONE CALLS

When you come into our office, you will sit down with our attorney to discuss your case. We will explain in detail the options you have when it comes to creditor harassment. One of the most effective options is the “automatic stay.” This occurs immediately after filing bankruptcy and puts a hold on any further collection activity by creditors and credit card companies.

Depending on the type of bankruptcy you file, you may also be able organize your debts into a more affordable monthly payment, or liquidate them completely. While bankruptcy isn’t for everyone, it can provide many benefits to those who qualify. Putting an end to creditor harassment is just one of the perks you could enjoy.

Our creditor harassment attorney understands the difficult situation you are currently in. To learn more about how bankruptcy may be the answer you need to effectively stand up to your creditors, contact the Havner Law Firm. You may also call us at 800-405-9004.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Repossessions

RepossessionsWhether your property is being threatened, or has already been taken, it is important to remember that you have rights.

Repossessions Lawyer

Through wage garnishment and the repossession of assets, creditors will take any action necessary to recover the money their debtors owe them. If you are currently in a situation where you are at risk of losing your property, you should take immediate legal action.

At the Havner Law Firm, we work to provide solutions to the problems our clients are facing through compassionate and professional legal representation. With more than 25 years of bankruptcy experience, our attorney will provide the honest and helpful advice you need. To schedule a free initial consultation at our White Hall office location, contact us online.

DEDICATED REPOSSESSIONS ATTORNEY

If you have been given notice that your property (cars, boats and other assets) is about to be repossessed by one of your creditors, there are steps that can be taken in an effort to freeze the repossession process. These types of situations are extremely time sensitive. The sooner you take action, the better off you and your finances will be.

When you file Chapter 7 or Chapter 13 bankruptcy, an “automatic stay” will be created on your accounts. This means that if you are facing a judgment, or are behind on your payments, your creditors have the legal obligation to stop any action of collection or repossession against you.

FREE CONSULTATION WITH AN UNDERSTANDING BANKRUPTCY LAWYER

If you are interested in hearing more about your options when it comes to avoiding repossession of your property and possessions, we can help. Our skilled attorney will personally assess your case and give you his honest opinions and advice. From there, we will help you to decide what steps will best benefit your unique situation. Our ultimate goal is to put you in a position where you can keep your property, and restore your financial future.

For more information, or to speak directly with an experienced bankruptcy attorney, call us at 800-405-9004, or contact us online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Bankruptcy After Divorce

Bankruptcy After DivorceFinancial hardships can be especially difficult after a divorce; we can help you determine options that will ease the burden.

Bankruptcy After Divorce Lawyer

A divorce can illicit many emotions for the parties involved. For many, uncertainty regarding finances is at the top of their list. Money is often an issue that married couples find overwhelming and stressful. It becomes even more so when a couple splits, and begins to move forward as separate persons.

If you are divorced, or currently going through the divorce process, and are facing extreme financial challenges, it can be beneficial to seek the advice of an experienced bankruptcy lawyer. At the Havner Law Firm, we work every day to help people just like you begin their new lives debt-free, and in control of their finances. To schedule your free initial consultation, contact us online.

DIVORCE AND BANKRUPTCY

After a divorce, all of the debts you once shared with your spouse are divided. As a single person, it can become intimidating, and sometimes impossible to keep up with the payments. Thankfully, you do have options. Bankruptcy can be an effective way for you to get the fresh start you need to move on with your new life. Our experienced lawyer can help in many ways:

  • We will assess your assets to determine which debts may be discharged.
  • We will help you to understand how bankruptcy might impact child support or alimony payments.
  • We will help you to determine your eligibility under Chapter 7and Chapter 13

We understand that you are going through one of the hardest times of your life. Let our debt relief attorney ease the burden by working to secure the financial aspects of your divorce, and of your future. We have helped many individuals throughout the area reach their goals, and move toward a fresh start.

To speak with our bankruptcy after divorce attorney about your options, call our office at 800-405-9004, or contact us online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Medical Debt

Medical DebtMedical bills are considered dischargeable debt, and may be eliminated or reduced by Chapter 7 or Chapter 13 bankruptcy.

Medical Debt Lawyer

Life doesn’t always happen the way we plan. Unexpected accidents and illnesses can strike us at a moment’s notice. While physically and emotionally devastating, these issues can also result in severe financial consequences.

No one is prepared for the mounting medical and rehabilitation bills that follow an accident or illness. Pressure might be added if you or a family member has recently been laid off, and can no longer afford even the minimum payments. At the Havner Law Firm, we want you to know that there is hope. Through the exploration of bankruptcy, we hope to bring you and your family peace of mind during this difficult and trying time.

Have you or a loved one recently fallen ill, or been involved in an accident that has left you financially unstable? Contact the Havner Law Firm to speak with a compassionate medical debt attorney about your case.

BANKRUPTCY: EFFECTIVE MEDICAL DEBT RELIEF

Under both Chapter 7 and Chapter 13 bankruptcy proceedings, medical bills are considered to be dischargeable debts. This means that if you qualify, you may be able to essentially “walk away” from the debt that you owe. The bankruptcy process is complex, however, which is why it is important to obtain an attorney who will explain the process more thoroughly, and help you to determine your options.

At the Havner Law Firm, we do what we do because we enjoy helping people and their families get back on the track to financial success. Our attorney has more than 25 years of experience successfully achieving the goals of our bankruptcy clients. Don’t wait for the collection agencies to come after your property and employment wages. Take action now.

To speak with our skilled medical bills lawyer about your case, call our office at 800-405-9004, or contact us online. We offer free initial consultations.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Credit Card Lawsuits

Credit Card LawsuitsIf you or a loved one has been sued by a credit card company, don’t go at it alone; contact our skilled lawyer.

Credit Card Lawsuit Attorney

PROTECTING YOUR FINANCES AND YOUR RIGHTS

Credit card companies will often do whatever it takes to recover the debt they are owed. Sometimes, they will even go as far as suing the debtor in court, making way for liens, wage garnishment and repossession. This can be a serious issue, and one that should not be ignored.

If you have been served by a credit card company, creditor or collection agency, you must respond immediately. Failure to do so can result in the credit card company securing a judgment against you which will have a severely detrimental effect on your finances and other assets. At the Havner Law Firm, we have more than 25 years of experience representing clients who are facing legal action from their creditors. From our office in White Hall, we offer free initial consultations to those wishing to explore their options. Contact us to schedule an appointment.

In most cases, an individual who is sued will have only 30 days to answer the complaint he or she was served with. This time frame is important, and should not be ignored. When you come into our office for your consultation, our attorney will help to ensure you are aware of your options and rights.

Some of our clients wish to pursue their lawsuit in court. However, unless there was an accounting mistake, and you believe that the amount you owe is inaccurate, your grounds for fighting back are essentially nonexistent. More often than not, bankruptcy proves to be the most effective option.

Bankruptcy will put an “automatic stop” to any creditor action currently against you. This includes pending lawsuits, and also means that credit card companies and other creditors will not be able to garnish your wages, repossess your property or get a judgment against you.

If you are looking for effective debt settlement, bankruptcy may be the option you have been looking for. To schedule a free initial consultation with our credit card lawsuit attorney, call us at 800-405-9004, or contact us online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Life After Bankruptcy

Life After BankruptcyDespite what many think, bankruptcy can afford many benefits, allowing for a bright and secure financial future.

Life After Bankruptcy

When considering bankruptcy, many of our clients wonder what their lives (and their credit) will be like when the process has been completed. Bankruptcy carries a lot of misconceptions, and at the Havner Law Firm, we are committed to educating clients on the many benefits that bankruptcy can afford. From a discharge of debts, to putting a stop to creditor harassment and foreclosure proceedings, life after bankruptcy can mean a fresh start for you and your family.

Have you thought about bankruptcy, but are worried about ramifications you could face down the road? We can help you get the facts you need to make informed decisions regarding your finances. Contact our experienced life after bankruptcy attorney to discuss your case.

REGAINING CONTROL OF YOUR LIFE AND YOUR FINANCES

While bankruptcy and bad credit are often associated, realistically, it is an unfair association. The school of thought that says an individual who files for bankruptcy will be unable to get credit in his or her future is simply a myth in most cases. In fact, after filing bankruptcy, you will likely be able to get loans and other consumer credit options not long after your process is complete.

Don’t let the bankruptcy myths dissuade you from making decisions that could greatly benefit your financial future. As your legal representation, we will ensure that your rights and interests are protected. We will help you through every step of the process, from beginning to end.

Once your bankruptcy process is complete, we will be here to counsel you as you move forward. From working to rebuild your credit, to creating a plan to ensure your bills are paid on time, our No. 1 goal will be to keep your financial future as bright as can be.

We are passionate about what we do. Helping our clients find financial success is our biggest goal. To schedule a free initial consultation with our rebuilding credit lawyer, call our office at 800-405-9004, or contact us online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Contact Us Today: 800-405-9004

8608 Dollarway Road, Suite D.
White Hall, AR 71602
AND
8315 Cantrell Road
Little Rock, AR Suite 230, 72227

Contact Us For a Free Consultation