Welcome to Asheville's Bankruptcy Law Center
Bankruptcy is not the end of the world.
In fact, Bankruptcy can provide the first step to a new world, a debt free world.
Harassing phone calls from creditors at work or home, complaints, judgments, pending repossessions or foreclosures... Drowning in debt is very stressful, draining, and can wreck havoc on your life.
My name is Amita D. Peltz, and I can help you get the fresh financial start you deserve. I am a bankruptcy attorney who has practiced law in Western North Carolina for over 10 years. My clients are not bad people who carelessly ran up their credit cards for frivolous purchases. They are people like you – honest, hard-working people- who have struggled financially due to:
- job loss
- divorce
- family problems
- health issues
The list of life events that can shake a person's finances goes on and on. Even one of these events can be enough to send a budget spiraling out of control. Sometimes it feels like no matter how hard you work, you can't make ends meet. In the economic downturn, jobs are scarce and many successful people find themselves swallowed by debt.
Amita D. Peltz is here to help. We believe in helping people recover their financial futures. We are here to listen to your situation, thoroughly and competently assess your needs, decide what your best options are, and ensure that the process of filing bankruptcy, should you need it, be as painless as possible.
You have already suffered with your financial woes. Our goal is to make your bankruptcy process a smooth and effective solution to your financial distress, allowing you to once again focus on the more important things in your life.
Asheville Bankruptcy Attorney
Please call us at 828-255-2728 for your free initial consultation or fill out the contact form and we will contact you.
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What is Bankruptcy?
Bankruptcy is the process of filing a petition for relief from personal and/or business debt with the Federal Courts. A Chapter 7 bankruptcy discharges your unsecured debt. A Chapter 13 bankruptcy is a repayment plan in which you pay back a percentage of your debt over time. In both Chapter 7 and Chapter 13 bankruptcy, you are entitled to keep your home or car or other items, provided you continue to pay these debts.
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How do I file bankruptcy?
The initial step in filing bankruptcy is meeting with us for a free consultation. During the consultation, we will assess your situation, review your options with you, and help you decide which bankruptcy, if any, will work for you. Once you have decided to file bankruptcy, we will take you through each step of the process from filing your petition to receiving your discharge.
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Will I lose anything if I file for bankruptcy?
When you file bankruptcy, the property exemptions protect your property from creditors. Usually, you can keep your car, home, household goods, retirement accounts, bank accounts, and miscellaneous items. Even if your property is worth more than you owe on it, you can usually use the property exemptions to protect it.
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When does creditor harassment stop?
Immediately. Once you have retained Worley & Peltz, PLLC to represent you in your bankruptcy case, you will refer all creditor calls to our office. Once your bankruptcy case is filed with the Court, it becomes illegal for creditors to contact you.
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How will filing bankruptcy affect my credit?
A Chapter 7 or Chapter 13 bankruptcy filing can stay on your credit report for 7 to 10 years. However, we will discuss what you can do to minimize the effect on your credit, and help you learn how to re-build your credit quickly after filing bankruptcy.
"I was terrified of the process of filing for Bankruptcy and honestly wasn't even sure we were good candidates at all. After my initial consult with AmitaPeltz I knew I was in good hands and everything was going to work out just fine! Her professionalism and compassion during this somewhat "unsettling" life event kept me at ease during the entire process. I STRONGLY recommend contacting Amita Peltz to anyone who is considering bankruptcy!" - Juli ,
