Stuck In Debt? Need Bankruptcy Relief?

Do you need to file bankruptcy?  Are you stuck in debt and don't see a way out?  Want simple debt relief?

Do you need a bankruptcy that is affordable?  Do you only have $100?

With only $100 down, you can begin the journey to discharging your debts.  It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 at Schlyer & Associates, P.C.  Once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

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 an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

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

The Truths About Filing An Affordable Bankruptcy

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville.  Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy.  MSN recently posted an article about bankruptcy myths that we will share with you.  Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file 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.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

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.

Posted by Attorney David R. Novak

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

Want To Stop Bill Collectors From Calling You? Do You Want A New Financial Beginning? Call Schlyer & Associates Today And Start Your Affordable Bankruptcy

Are you in debt?  Tired of receiving telephone calls from bill collectors?  Want to stop the debt collectors in their tracks?  You may need to file bankruptcy.  Only have $100?  With $100 you can start your journey to a new beginning.  

With $100 down, you can begin the journey to discharging your debts.  It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 and once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

Start 2012 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file 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.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

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 an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

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

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

Westinghouse Ceiling Fans Recalled - Shock and Fire Hazards

The Indiana personal injury law firm, Schlyer & Associates, Aggressive Trial Lawyers, is warning of a recall issued by the U.S. Consumer Product Safety Commission of about 7,000 imported by Westinghouse Lighting Corp., of Philadelphia, Pa.

According to the recall notice, the two 60-watt light bulbs included with the ceiling fans exceed the fan’s maximum wattage, which can cause the ceiling fans to overheat or fail. This poses fire and shock hazards to consumers. Ceiling fans with 24, 30 and 42-inch diameter blades are included in this recall. “Westinghouse” is printed on the fan’s ceiling canopy.

The recalled fans were sold at various home improvement and hardware stores, home centers and electrical product suppliers nationwide and online at www.amazon.com from January 2011 through January 2012 for between $135 and $150.

If you have one of the recalled fans, you should immediately stop using the recalled ceiling fans and contact Westinghouse Lighting at (888) 417-6222 for two free replacement 40-watt light bulbs.

The Aggressive Trial Lawyers at Schlyer & Associates have the experience to represent you in many types of personal injury cases or other legal matters.

The attorneys at Schlyer & Associates have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

If you believe you have a legal matter to discuss with us, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.

The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Griffith, Highland, Gary, Whiting, Munster, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, Valparaiso, Hebron, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. Many of the Aggressive Trial Lawyers at Schlyer & Associates are licensed in both in Indiana and Illinois.

If you need a personal injury attorney or need to file a personal Affordable Bankruptcy, we are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, down the street from Excel Academies of Cosmetology, Ted's Imported FoodsandCosmo Prof (a distributor of beauty products to licensed professionals).

Posted by Attorney David R. Novak

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

In Debt? Cannot Pay Bills? We Can Help You File An Affordable Bankruptcy

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.

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

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?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

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 Bankruptcy meeting 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.


Posted by Attorney David R. Novak

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

Safety 1st Cabinet Locks Recalled - Locks Can Fail

The Merrillville personal injury law firm, Schlyer & Associates, the Aggressive Trial Lawyers, is warning of a recall issued by the U.S. Consumer Product Safety Commission of about 900,000 Push ‘N Snap Cabinet Locks imported by Dorel Juvenile Group (DJG) Inc., of Columbus, Indiana.

According to the recall notice, young children can disengage the cabinet locks, allowing access to cabinet contents and posing the risk of injury, due to dangerous or unsafe items. DJG has received 200 reports of locks that did not adequately secure the cabinet, including reports of damaged locks. Of the reported incidents, the firm is aware of 140 children between the ages of 9 months and 5 years who were able to disengage the locks and gain access to the cabinet’s contents. In three of the reported incidents, the children who gained access swallowed or handled dishwashing detergent, window cleaner or oven cleaner, and were treated, observed and released from emergency treatment centers.



Photograph from the recall notice.

According to the U.S. Consumer Product Safety Commission, the recall involves Safety 1st Push ‘N Snap cabinet locks with model numbers 48391 and 48442. The model numbers are printed on the back of the product and on packaging. The locks are used to secure cabinets with two straps that wrap around the knobs or handles on a cabinet door. When the product is in the “lock” position, a green triangle is shown through a window on the device. The Safety 1st logo is embossed on the front of the lock. Locks manufactured between January 2004 and November 2010 are included in the recall. The date of manufacture is embossed on the back. The arrow on the date wheel points to the month and the numbers of either side of arrow represent the year of manufacture.

The recalled locks were sold at Bed Bath & Beyond, and other retail stores nationwide and online at Amazon.com from January 2004 through February 2012 for between $2 and $4.

If you have any of the recalled locks, you should immediately remove the recalled locks from cabinets and contact DJG at (866) 762-3212 for a free replacement Push ‘N Snap lock with model numbers HS158 or HS159. When removing the recalled locks, consumers are urged to immediately store dangerous items out of reach of children.

What should you do if you were injured and it was not your fault?
If you have been injured, please contact the law firm of Schlyer & Associates. The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?
The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?
There is no fee unless successful. If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive. Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy
Many people have struggled financially and have had to make the decision to file 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.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys. Dealing with financial difficulties can be a stressful time on you and your loved ones. We will help you file an Affordable Bankruptcy.

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. Injured? Don't Settle For Less.

Remember, no personal injury fee unless successful.


Posted by Attorney David Novak

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

Fire Hazard Prompts Lenovo Recall Of ThinkCentre Desktop Computers

The Northwest Indiana personal injury law firm of Schlyer & Associates, the Aggressive Trial Lawyers, is warning of a recall issued by the U.S. Consumer Product Safety Commission, of 50,500 Lenovo ThinkCentre M70z and M90z desktop computers since a defect in an internal component in the power supply can overheat and pose a fire hazard.



Photograph from the recall notice.

According to the recall notice, the recalled all-in-one desktop computers, or PCs, are flat-panel monitors with the PC integrated into the monitor housing itself. The power supplies are also inside the monitor or PC housing. The computer chassis has a matte black finish with the brand name "ThinkCentre" in the lower left hand corner of the monitor front. The recalled desktop model numbers are M90z and M70z along with the serial number and manufacturing date code can be found on a label on the underside of the unit. Only certain of the M70z and M90z computers built in this time frame are affected. Consumers will need to check the serial number on their computer with Lenovo to determine if it is subject to this recall.

The recalled computers were sold online at Lenovo’s websites, by telephone and direct sales through Lenovo authorized distributors nationwide from May 2010 through January 2012 for about $500 for the M70z model and $800 for the M90z model.

If you have one of the recalled computers, you should immediately stop using the computer, unplug the power supply and contact Lenovo toll-free at (855)248-2194to determine if your computer is included in the recall and to schedule an appointment for a free replacement of the power supply.

The Aggressive Trial Lawyers at Schlyer & Associates have the experience to represent you in many types of personal injury cases or other legal matters.

The attorneys at Schlyer & Associates have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

If you believe you have a legal matter to discuss with us, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.

The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Griffith, Highland, Gary, Whiting, Munster, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, Valparaiso, Hebron, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. Many of the Aggressive Trial Lawyers at Schlyer & Associates are licensed in both in Indiana and Illinois.

If you need a personal injury attorney or need to file a personal Affordable Bankruptcy, we are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, down the street from Excel Academies of Cosmetology, Ted's Imported FoodsandCosmo Prof (a distributor of beauty products to licensed professionals).

Posted by Attorney David R. Novak

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

Help, I Need To File Bankruptcy. Does An Affordable Bankruptcy Exist?

Yes. An Affordable Bankruptcy does exist at Schlyer & Associates. We can help you declare an Affordable Bankruptcy. With $100, you can begin the process to re-start your financial life.

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville. Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy. MSN recently posted an article about bankruptcy myths that we will share with you. Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13. By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt. You can stop foreclosure, garnishments and end creditor harassment. At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished. Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file 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.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys. Dealing with financial difficulties can be a stressful time on you and your loved ones. We will help you file an Affordable Bankruptcy.

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.



Posted by Attorney David R. Novak

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

File An Affordable Bankruptcy And Put Your Financial House In Order

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.

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

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?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

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 Bankruptcy meeting 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.



Posted by Attorney David R. Novak

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

Keep Your Vehicle In Good Condition For Winter Driving

The Northwest Indiana personal injury law firm, Schlyer & Associates, the Aggressive Trial Lawyers, offers a few tips to keep your car in good working condition this winter season.

Clean Your Car
When the temperatures are warm enough, make time to wash your vehicle. It washes the salt off of the body of your car and cleans your windows, allowing you to see better while driving.

Don't forget to check under the hood. Little critters / animals may want to make a home in your warm engine compartment.

Check Your Tires
So-called "all-season" tires have been on the market for decades. Coupled with front-wheel-drive and anti-skid systems, they have allowed many folks to avoid mounting a true snow tire for the winter months. But watch out for low-profile / wide tires - they tend not work well in the snow.

Check Your Wipers
Wiper blades tend to last about a year. Also, a simple trick. If snow or ice is in the forecast, pop up the wipers so they're not touching the windshield. This little trick will make it easier to scrape your windshield and reduce the chance that you burn out the wiper motor by having them turn on while the blades are frozen in place.

How Is Your Battery?
Winter puts more stress on your battery, particularly if you park your car outdoors.

Avoid the sinking feeling of hearing nothing when you hit the ignition with a proactive check of your battery and charging system now. Repair shops don't usually charge very much to load-test your battery, and some car-parts stores will do it for free.

If you find out your battery's going south, you can replace it at your convenience, instead of being at the mercy of whomever your dead car’s been towed to. Note that some big-box stores such as Costco offer a good price on batteries for those of you willing to change one yourself (not usually all that hard, though batteries are heavy.)

Check Under Your Vehicle
To improve aerodynamics and save fuel, today’s cars are equipped with increasingly elaborate underbody panels and low-hanging air dams.

These can be vulnerable to damage, and driving over a snowdrift in the winter could turn a small problem into a more expensive one.

So before the ground’s too chilly to lie on, take a look under the car, starting from the front, to see if there's anything loose flapping about. Maybe you can just pop it back into place. Maybe a zip tie will take care of it.I

Is Your Antifreeze Ready To Go?
If you’ve missed a service interval or have another reason to doubt your coolant, go ahead and have it "flushed and filled." Just make sure your mechanic uses a compatible coolant to refill your car. Some coolants, such as Prestone's Extended Life, work for any car.

If your car has moved to a much colder climate and you’re concerned that your coolant might not be up to the deep freeze, you can check its effectiveness with a simple, under-$10 tester from the car-parts store.

Tire Pressure - Is It Right?
Here are two good reasons to get down there with the gauge and unscrew the valve caps as the weather cools:

1) Tires lose a pound of pressure for every drop of 10 degrees Fahrenheit.

2) An underinflated tire won't "bite" through snow down to the pavement as well as one at pressure. It's similar to hydroplaning on water — and just as dangerous.

Don’t forget to put the valve caps back on when you're done. Letting in moisture, which then freezes, could let the valve core leak out air.

Emergency Survival Kit (of Some Sort)
Everyone should have a space blanket in the car, tucked in the glove compartment or some other storage space in reach of the driver.

The most complete survival kit in the world won’t do a bit of good if you're upside down in a car you can’t get out of and the kit’s in the trunk.

The shiny space blanket's ability to keep you warm could be a lifesaver — and it takes up virtually no space and costs less than $10.

Next things we’d add:

• Whistle
• Plastic bag for gathering snow for water
• Plumber's candle & lighter
• Single-edged razor blade (cut up your upholstery for insulation)
• Empty metal soup can (for melting snow with the candle)

You can — and perhaps should — keep going (some people suggest packing a wordy novel). The more rural and remote your roads, the more you’ll want.

Clean & Wax Your Headlights
Okay, we admit it's a little detail, but in winter’s gloom and short days, every last lumen you can squeeze out of your headlamps is going to improve your safety.

Here's an easy two-minute drill: Make sure the headlamps are clean of dirt, rub car wax (any type will do) on the lamps, let it dry and buff it off. And then apply a second coat. For bonus points, do the taillights.

The slippery surface you leave behind will be less likely to build up an "icicle" coat when road slush refreezes on your car — and will make it easier to remove it if it does.

What should you do if you were injured and it was not your fault?
If you have been injured, please contact the law firm of Schlyer & Associates. The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?
The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?
There is no fee unless successful. If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive. Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy
Many people have struggled financially and have had to make the decision to file 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.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys. Dealing with financial difficulties can be a stressful time on you and your loved ones. We will help you file an Affordable Bankruptcy.

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. Injured? Don't Settle For Less.

Remember, no personal injury fee unless successful.



Posted by Schlyer & Associates

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




From klipinger.com / David Mulbaum