What is “bankruptcy reform” and how does it effect me?

Do not believe anyone who tells you that you cannot file a bankruptcy and get relief in the United States Bankruptcy Court or that you can no longer discharge credit card debt. THAT IS SIMPLY NOT TRUE!

Now, more than ever, you need experienced attorneys to represent you and lead you safely through these convoluted changes in the law. If you are honest, thorough and can follow directions and we decide to represent you our office can get you a court ordered discharge of your debts!

“The Bankruptcy Reform and Consumer Debt Protection Act” is not a reform at all. It certainly offers no protection for the consumers. It was the label that the banks used to lobby the United States Congress to change the bankruptcy laws and it went into effect on October 18, 2005. It is a very complicated change in the law to give the banks even more advantages over you the consumer or small business. It was sponsored by the Republican Congress and President George W. Bush.

The purpose of the change in the law was to discourage ordinary people, such as yourself, from exercising their rights to get out of hopeless debt situations, stop foreclosures and repossessions, stop IRS collections, stop garnishments and stop creditor harassment.

In the final analysis this change in the law will not keep you from filing either a Chapter 7 or Chapter 13 Bankruptcy. In fact bankruptcy filings are starting to rise again because of the trouble with the economy.

The lawyers and staff at Robinson & Rylander, P.C., have attended numerous seminars not only in Arizona but also in Orlando, Florida and San Francisco, California, to get current on these developments and we will continue to do so. We are as prepared as we can be to assist our clients.