Drowning In Debt? Want To Stop Your Debt? File An Affordable Bankruptcy. Start Your New Financial Life With $100

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

We can help you stop drowning in your debt and stop the debt collection calls.  We can help you receive the debt relief you need and want.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

With $100, you can start your Affordable Bankruptcy and begin your new financial life.

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Have too many medical bills to pay?

Are you unable to make payments to your creditors?

Getting payday loans or borrowing from family and friends?

Do you receive many telephone calls from collection agencies or debt collectors?

Are you borrowing from any retirement funds to pay debts?

Do you avoid answering the phone, to avoid collection calls?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at  Schlyer & Associates , you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at  Schlyer & Associates  routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with a bankruptcy lawyer.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Affordable Bankruptcy Lawyers Answer What Is Secured Debt

Schlyer & Associates, a Northwest Indiana Affordable Bankruptcy law firm answers your bankruptcy questions.  Today we will be discussing:

What is secured debt? Generally speaking, it means you purchased something on credit and you have their property. It is a house, a car or motorcycle.  Those are considered secured debts as long as you still have the property.

What is an unsecured debt? A unsecured debt is a credit card that you can use anywhere in any store.  If you use your VISA or Mastercard to buy CDs or a pair of shoes, the credit card company does not get/keep an interest in that property, it is unsecured.

On the other hand, if you take out a loan for a car, the loan documents specify that the loan is for a car and the creditor retains a security interest in the property until the property is paid off, the loan is secured.

Does it matter if my debt is secured or unsecured if I file bankruptcy? In a bankruptcy, you must decide what you want to do with secured debt.  If you want to keep the property, the house or car, you must make arrangements to continue making your required monthly payment.  This is known as a Reaffirmation.  If you want to keep the house or car, the debt is listed on your bankruptcy and then you can ‘reaffirm” or keep the property by making your payments.

On the other hand, if you no longer want to keep the house or car, you can surrender back the property to the creditor and owe them nothing.  Once the property is surrendered back to the creditor, the remaining balance becomes unsecured and is discharged.

Can I have an example? Sure, if you take out a loan at a place like American General Finance or Beneficial Finance, those debts are unsecured as long as you did not pledge your personal property as collateral to secure the debt. If you did, then the loan is secured by your personal property.  Payday loans are unsecured.

There are many other types of loans, credit cards and debts out there.  Please call us and schedule a free appointment to discuss your Affordable Bankruptcy options with one of our lawyers.  We will  discuss the type of debt you have and we can together figure out the best way for you to proceed.

If you have a great deal of medical debt (bills), credit card, house, car, payday or another other kind of debt and want to discuss your options, please call us at Schlyer & Associates at (219) 757-0225.  We can help you eliminate or reduce your debt.  We offer free face to face consultations in our office.

The attorneys at Schlyer & Associates can help you file Chapter 7 and Chapter 13Affordable Bankruptcy, if you live in Lake County or Porter County, Indiana.  Please feel free to contact us today at (219) 757-0225 if you or your loved one was injured or needs to file bankruptcy.  We are a debt relief agency.

We can help you file Chapter 7 or Chapter 13 Affordable Bankruptcy if you live in the Lake County or Porter County communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores.

We are located at 200 West 80th Place, Merrillville, Indiana 46410.  Our office is located across the street from Eye Care Plus and Spill the Beans gourmet coffee shop.

Please call us today at (219) 757-0225 to schedule a meeting with an Affordable Bankruptcy lawyer today.

Posted by Schlyer & Associates