EZB ASSOCIATES -
A Debt Relief Agency
A Debt Relief Agency
"Bankruptcy is YOUR constitutional federal right as an American citizen. Bankruptcy gives the honest but unfortunate person...a "fresh start"...a new opportunity in life to start over financially, and a clear field for the future without the pressure and discouragement of pre-existing debt"
GET THE BANKRUPTCY HELP YOU NEED with us.
With Chapter 7 Bankruptcy, you may not have to change or sacrifice a thing in your life! Just get a new start! THE FUNDAMENTAL GOAL OF THE FEDERAL BANKRUPTCY LAWS ENACTED BY CONGRESS IS TO PROVIDE DEBTORS A FINANCIAL FRESH START FROM BURDENSOME DEBT.
You and only you know when it is time to make a change in your life and file bankruptcy. We do not encourage you to file bankruptcy. Only you can make a decision like that. BUT, if and when you have decided that Chapter 7 Bankruptcy debt relief is the road you want to take, we want to service you in facilitating an affordable, effective filing process.
Steps to filing Bankruptcy:
1. Contact EZB ASSOCIATES. Qualify for bankruptcy during a pre-filing phone consultation. Qualification based on current Federal guidelines.
2. Receive our introduction email. Prepare a client packet. WALK into the office Monday - Friday with your completed packet to get started. (NO
APPOINTMENT REQUIRED)
3. Provide the necessary information/documents to us (I.E. TAX RETURNS, PAYSTUBS, CREDIT REPORTS, SS CARD, DL LICENSE, ETC.).
4. Take the on-line Credit Counseling Class (*we provide State approved counseling institutions).
5. Allow 72 business hours to receive your initial legal documents (legal documents are disbursed by mail, email or in person depending upon the facets
of your bankruptcy case.)
5. Sign your legal documents and return them to EZB ASSOCIATES office.
6. Receive a Federal Bankruptcy case number within 72 business hours.
WHAT IS CHAPTER 7 BANKRUPTCY?
You are the debtor.
The people you owe are creditors.
The Trustee is a court appointed professional that oversees your case and our handling of your case.
The court/judge is the Federal Entity that monitors, rules and approves bankruptcy cases.
The petition is the request (via paperwork process) to the court to relieve you of debt.
The discharge is the full, complete and legal elimination of your personal, consumer and business debts.
Chapter 7 is one of several court-supervised bankruptcy procedures overseen by a Trustee with decision-making power over your federal bankruptcy case. The US Bankruptcy Judge may decide on any matter connected with your case and its final ruling for discharge. A debtors involvement with the Judge is VERY limited. Typically Chapter 7 debtors WILL NOT appear in court OR will not see the judge unless matters of objection, fraud, or concern arise.
When a debtor (YOU) petitions the court to release him/her from their consumer AND personal debt obligations, a U.S. Trustee takes over the assets of the debtor(s), reduces them to cash and makes distribution to his/her creditors...subject to the debtors right to (1) retain certain exempt assets; (2) the rights of secured creditors to recover certain secured assets; (3) or other court approved reaffirmations to retain certain assets.
In most Chapter 7 cases there is no acquisition or liquidation process by the trustee because the debtor (s): (1) has no assets; (2) assets are exempted/protected; (3) or approved reaffirmations are made for you to keep your secured assets.
In the end...pending all filing requirements are met as the court requires... the debtor normally receives a discharge just a few months after the petition is filed which means he/ she is released from ALL his/her personal and consumer liability for dischargeable debts. Meaning...YOU ARE NO LONGER REQUIRED TO PAY ANY DEBTS - THEY ARE DISCHARGED PERMANENTLY. NO FORM OF COLLECTION ACTIVITY, COMMUNICATION, TELEPHONE CALLS, LETTERS from creditors continues toward DISCHARGED DEBTORS.
With Chapter 7 Bankruptcy, you may not have to change or sacrifice a thing in your life! Just get a new start! THE FUNDAMENTAL GOAL OF THE FEDERAL BANKRUPTCY LAWS ENACTED BY CONGRESS IS TO PROVIDE DEBTORS A FINANCIAL FRESH START FROM BURDENSOME DEBT.
You and only you know when it is time to make a change in your life and file bankruptcy. We do not encourage you to file bankruptcy. Only you can make a decision like that. BUT, if and when you have decided that Chapter 7 Bankruptcy debt relief is the road you want to take, we want to service you in facilitating an affordable, effective filing process.
Steps to filing Bankruptcy:
1. Contact EZB ASSOCIATES. Qualify for bankruptcy during a pre-filing phone consultation. Qualification based on current Federal guidelines.
2. Receive our introduction email. Prepare a client packet. WALK into the office Monday - Friday with your completed packet to get started. (NO
APPOINTMENT REQUIRED)
3. Provide the necessary information/documents to us (I.E. TAX RETURNS, PAYSTUBS, CREDIT REPORTS, SS CARD, DL LICENSE, ETC.).
4. Take the on-line Credit Counseling Class (*we provide State approved counseling institutions).
5. Allow 72 business hours to receive your initial legal documents (legal documents are disbursed by mail, email or in person depending upon the facets
of your bankruptcy case.)
5. Sign your legal documents and return them to EZB ASSOCIATES office.
6. Receive a Federal Bankruptcy case number within 72 business hours.
WHAT IS CHAPTER 7 BANKRUPTCY?
You are the debtor.
The people you owe are creditors.
The Trustee is a court appointed professional that oversees your case and our handling of your case.
The court/judge is the Federal Entity that monitors, rules and approves bankruptcy cases.
The petition is the request (via paperwork process) to the court to relieve you of debt.
The discharge is the full, complete and legal elimination of your personal, consumer and business debts.
Chapter 7 is one of several court-supervised bankruptcy procedures overseen by a Trustee with decision-making power over your federal bankruptcy case. The US Bankruptcy Judge may decide on any matter connected with your case and its final ruling for discharge. A debtors involvement with the Judge is VERY limited. Typically Chapter 7 debtors WILL NOT appear in court OR will not see the judge unless matters of objection, fraud, or concern arise.
When a debtor (YOU) petitions the court to release him/her from their consumer AND personal debt obligations, a U.S. Trustee takes over the assets of the debtor(s), reduces them to cash and makes distribution to his/her creditors...subject to the debtors right to (1) retain certain exempt assets; (2) the rights of secured creditors to recover certain secured assets; (3) or other court approved reaffirmations to retain certain assets.
In most Chapter 7 cases there is no acquisition or liquidation process by the trustee because the debtor (s): (1) has no assets; (2) assets are exempted/protected; (3) or approved reaffirmations are made for you to keep your secured assets.
In the end...pending all filing requirements are met as the court requires... the debtor normally receives a discharge just a few months after the petition is filed which means he/ she is released from ALL his/her personal and consumer liability for dischargeable debts. Meaning...YOU ARE NO LONGER REQUIRED TO PAY ANY DEBTS - THEY ARE DISCHARGED PERMANENTLY. NO FORM OF COLLECTION ACTIVITY, COMMUNICATION, TELEPHONE CALLS, LETTERS from creditors continues toward DISCHARGED DEBTORS.
