Bankruptcy Can Offer A Clean Slate

Far too many people believe that bankruptcy is shameful. Rather, bankruptcy is often the best method for people who have insurmountable debt to obtain a clean slate. Filing bankruptcy can help reduce or eliminate debt, stop creditors from harassing you with phone calls and help you regain control of your financial future.

Stop Wage Garnishment — Stop Foreclosure — Stop Harassing Phone Calls From Creditors

I am John J. Balenovich, an experienced bankruptcy attorney serving clients in Charleston, West Virginia. John J. Balenovich Law Office, LC, helps clients who are struggling with overwhelming debt and are considering filing bankruptcy. Bankruptcy may offer a fresh start if you have unmanageable financial burdens from:

  • Medical debt
  • Loss of a job
  • Consumer debt
  • Personal loans
  • Business ventures

I assist clients with three types of bankruptcy:

  • Chapter 7: The most common bankruptcy proceeding, Chapter 7 bankruptcy is for individuals who have extensive credit card debt or other unsecured debt.
  • Chapter 11: This form of bankruptcy allows medium-sized corporations and large businesses to reorganize their debts and become viable.
  • Chapter 13: Chapter 13 bankruptcy, or debt restructuring, allows individuals to set up a low-interest repayment plan and can also discharge some debts.

What if you have special debts that are not usually dischargeable in bankruptcy, such as student loans or back taxes? I can help you work out a repayment plan.

Regain Control Of Your Finances And Your Future

Bankruptcy is a powerful tool, not a punishment. Filing bankruptcy can reduce or completely discharge many debts, prevent foreclosure, halt wage garnishment, stop repossession and repay creditors.

I will work with you through every step of the process to educate you about bankruptcy and inform you of your options. This way, you can take informed steps to regain control of your finances. Once the burden of debt is off your shoulders, you will be free to begin a new financial life.

For Individual Or Small-Business Bankruptcy Guidance: Schedule An Appointment

John J. Balenovich Law Office, LC, can help clients in Charleston and the surrounding areas of West Virginia who are overwhelmed by debt. To discuss debt relief with a lawyer, call 304-925-2100 or send an email.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.