When you're filing for bankruptcy, it is critical to understand your legal rights. Bankruptcy laws protect consumers from financial ruin and the potential to be abused by outstanding creditors. By allowing consumers to have their qualifying debts eliminated, bankruptcy offers all Americans a second chance at controlling their debt.

The word "bankruptcy" tends to cause feelings of panic and unease when, in fact, bankruptcy is intended to help people in need. Bankruptcy laws were enacted to protect people's rights and property and to provide a fair way for them to get back on their feet again financially.

There are numerous causes of financial difficulties, and today's economy has contributed to the problem. Home mortgage rates are rising and, in response to rising defaults, government investigators are questioning the sales and lending practices of many financers. At the same time, rising healthcare costs and falling medical insurance coverage have caused additional financial problems, as have high credit card interest rates.

As an experienced Morgantown West Virginia Bankruptcy Lawyer, I recognize that financial hardships can happen to anyone, and consumers who fall into this category sometimes do not have the ability to comply with creditors’ repayment demands.

Financial problems can be deeply disturbing and extremely stressful. You should not feel alone or embarrassed about considering bankruptcy. It is only natural that you would prefer to pay your bills, but bankruptcy may be your best option if you are not able to pay all of your debt. When you're filing for bankruptcy, it is critical to understand your legal rights. I will help you to determine the best course of action possible in the following areas:

• Consumer Bankruptcy
• New Bankruptcy Laws
• Chapter 7 Bankruptcy
• Chapter 13 Bankruptcy
• Foreclosure Avoidance
• Repossession Avoidance
• Debt Consolidation
• Debt Negotiation and Settlement
• Petitions
• Motions for Relief from Stay
• Objections to Discharge
• Adversary Complaints
  

My Firm serves the residents of Morgantown, Bruceton Mills, Fairmont, Kingwood, Mannington, Clarksburg, Bridgeport, Grafton, Clarksburg, Weston, Marlinton, Elkins, Parsons, Buckhannon, Webster Springs, Washington, Canonsburg, Waynesburg, Carmichaels, Point Marion, Uniontown, Belington, Terra Alta, Davis, and Farmington; and the counties of Monongalia, Braxton, Barbour, Calhoun, Doddridge, Gilmer, Grant, Harrison, Hardy, Lewis, Marion, Pendleton, Pleasants, Ritchie, Taylor, Pocahontas, Preston, Randolph, Tucker, Upshur, Greene, Fayette, Washington and Webster, and the states of West Virginia and Pennsylvania. We offer:

• Weekday, weekend and evening appointments
• Competitive and affordable rates
• Flexible payment plans that can fully accommodate your financial situation
• Immediate halts to foreclosures and creditor harassment
• Free initial consultations
• By phone and mail bankruptcy proceedings available.
  

As a skilled Morgantown West Virginia Bankruptcy Lawyer, my goal is to serve the complete legal needs of each of our clients across a broad range of legal challenges. My background includes arbitration training and experience, mediation training, admission to the Supreme Courts of Pennsylvania and West Virginia, and full litigation experience. I also serve as a judge in West Virginia.

Our Mission Statement

• To help level the playing field against unscrupulous debt collectors
• To help rid clients of excess debt through bankruptcy or settlement
• To help injured clients receive the justice they deserve
• To help clients navigate legal issues and needs with prudence and care

If you or someone you know needs the assistance of an experienced Morgantown West Virginia Bankruptcy Lawyer, call Attorney Todd Johnson today at 866-229-1435, or complete the contact form provided on this site to schedule your free consultation.