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Good people have bad debts. Since 1978
Calig & Handelman has helped tens of thousands of people
with debt problems. Often times we are able to save your home,
car and all the possessions you have worked so hard to get,
while protecting your wages and bank accounts from attachment.
We can often times help people who tax problems with the IRS.
The Calig & Handelman bankruptcy department
is personally supervised by Sam Calig. Sam devotes his practice
solely to helping people with dept problems and is a frequent
speaker and lecturer at continuing education seminars for
other attorneys. Although you may meet with other trained
staff at your initial meeting, it is most likely that Sam
will meet with you before your court date and be with you
in court to represent your interests.
We offer a wide variety of debt relief
options for our clients, but most clients' needs are best
met through either a Chapter 7 or a Chapter 13 bankruptcy.
A thorough description of these options follows in the frequently
asked questions portion of this presentation.
At Calig & Handelman your first visit
is free. We understand the embarrassment involved in this
very personal manner and pledge to give you the care and consideration
that you deserve. We strive to keep your legal fees as low
as possible and at your first meeting we will tell you what
your fees will be and what the payment arrangements are.
When you call to arrange for your first
appointment you will be asked to bring the following information:
- A complete list of ALL of your bills.
The list should include the names and addresses of EVERYONE
you owe money. This includes bills that you wish to continue
to pay after the bankruptcy filing, bills which are not
dischargeable, debts which you are co-signed on and debts
which former spouse was ordered to pay due to divorce or
dissolution, etc. If in doubt, place the potential debt
on your listing sheet and it can later be removed if it
is determined that it should not be there.
- An indication of what money is coming
into your household on a regular basis. This frequently
is in the form of pay stub from your employer.
- Copies of any lawsuits or any court
notices which you have received which have been filed against
you in the last year.
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