As you may have heard in the news, new bankruptcy laws went into effect on October 17th, 2005. The credit card companies and banks did manage to change the laws in their favor to some extent. But Congress did not totally change the bankruptcy laws. In fact, Congress passed some new laws that actually help consumers. For instance, almost all retirement plans are now protected in bankruptcy (previously, some were not). Similarly, some income (such as Social Security , unemployment compensation, and similar government benefits) is excluded for certain purposes.
Despite the new law, we can still file bankruptcy for you no matter what your situation is. For some higher income families, Chapter 13 may be a better choice than Chapter 7. Because the new law is complicated, it is now more important than ever to have an experienced bankruptcy lawyer on your side. The Law Office of Daniel Gindes specializes in consumer bankruptcy cases.
Did you know:
You can stop harassing phone calls at home and work - once you have hired a lawyer, it is illegal for creditors to call or contact you.
You can probably keep all of your property and possessions, while erasing debt from credit cards, medical bills, unsecured loans, and most other obligations.
Even if you own a home and have substantial equity, we can help you to reduce or eliminate your debt without disrupting your lifestyle.
In some situations, we can even erase your tax debt. If you are feeling overwhelmed with debt, call today for a free, confidential consultation. All you have to lose is your debt!
Be Assured:
At the Law Offices of Daniel Gindes, we strive to provide an informal, relaxed atmosphere in which to discuss your financial situation. With fifteen years of experience, Attorney Gindes understands that when you are considering bankruptcy , you may be feeling anxious and overwhelmed. We know that the process is very personal and can be embarrassing. We make every effort to keep your anxiety to a minimum and treat you with confidentiality and respect. At your free initial consultation, Attorney Gindes will take the time to meet with you and explain the process to you. He will not pass you off to another member of his staff to get background information from you.
Caution About Debt Consolidation:
Be aware that debt consolidation agencies are usually sponsored by the credit card industry. Many of these agencies try to convince you to continue to pay your debt in a consolidation plan rather than filing for bankruptcy - even if a fresh start is in your best interest.
A debt consolidation loan is a personal loan that may allow you to consolidate your debt into one monthly payment. The interest rates on personal debt consolidation loans are usually very high, especially for people with financial problems. In addition, these agencies usually target people with poor credit by offering what appears to be an easy solution. Many people are not aware of the high rates and fees involved until it's too late. In addition, your credit report may indicate that your debt is “managed by credit counseling,” which is a negative remark on your report.
If you have financial problems, please contact our office before entering into a credit counseling or debt consolidation program. An initial consultation with Attorney Gindes is free, and we will give you an honest appraisal of what your best course of action is. You can call our office toll free at (877) 639-5100.
About Attorney Daniel Gindes:-
Dan graduated with high honors (Magna Cum Laude) from the Boston University School of Law in 1990. Before starting his own practice, Dan was a litigation associate at Hutchins, Wheeler & Ditmar in Boston (where he specialized in business and health care litigation), and at Varet, Marcus & Fink, also in Boston (as a litigation associate).
In the years since, Dan has limited his practice to litigation (court room proceedings), including numerous civil and criminal cases in Massachusetts state and federal courts.
Prior to law school, Dan pursued a wide variety of interests. After graduating from Hampshire College in 1978 (with a bachelor's degree in Natural Sciences), Dan moved to New York City to research the design and structure of antibodies at the Columbia University Department of Microbiology.
With a background in science and medicine, Dan became concerned about the threat of nuclear energy. He joined Clamshell Alliance, a grassroots organization that sought to educate the public about the dangers of nuclear energy and prevent the construction of the proposed twin Seabrook nuclear power plants in New Hampshire. While helping to organize protests and rallies, Dan became Clamshell's media spokesperson. He was the public face of Clamshell, giving interviews with both local and national television networks and newspapers.
While at Clamshell Alliance, Dan worked part-time as a printer. Within a short while, Dan started his own printing company, the Wooden Shoe in Cambridge. With a primarily political clientele, Dan expanded his business from a single printing press in his basement, to a successful, 20-person operation. It was the sale of his printing company that financed Dan's legal education.
Dan is involved in his community, and serves as both pro bono lawyer and Board
Member for the non-profit corporation, Eight Lights, Inc.