Bill Collectors

At one time or another all of us have been contacted by bill collectors. We get behind on credit card bills, medical bills, mortgages, the list goes on and on. Once we receive that first letter or phone call from these bill collectors, the mental nightmare begins....

Dischargeable Debt

Dischargeable debt is debt that is completely wiped out when you file Chapter 7 bankruptcy. While all of your accumulated debt is not eligible to be classified as “dischargeable debt” it is an important consideration in deciding whether or not to file for bankruptcy....

Debt Consolidation

Debt consolidation is a way to receive one single loan to pay off small debts, which allows you to have a single monthly payment as opposed to several. The ultimate goal with debt consolidation is to lower your interest rate and monthly payment all while you are also...

Bankruptcy Means Test

A bankruptcy means test is a test that determines whether your income is low enough for you to qualify for a Chapter 7 bankruptcy. In other words, if your income is too high you may file for a Chapter 13 bankruptcy.The reason a bankruptcy means test exists is to limit...

Filing Bankruptcy

If you and/or your loved ones are in an unfavorable financial position i.e. buried in debt,   keep in mind that filing bankruptcy affords you a great opportunity for cleaning the slate. It can be intimidating, especially if it is your first time, but we have put...

Discharge Student Loans: Is it Possible?

Bankruptcy is designed to provide debtors with a fresh start. Typically, you’ll have the option of discharging most of your debts, setting up a feasible repayment plan or wiping out unsecured debt while continuing to make payments on your home and other secured...

Goldbach Law Group specializes in

Chapter 7, 11, and 13 Bankruptcies

Goldbach Law Group Is Proud Member Of These Organizations

OFFICE LOCATIONS