Attorney Thomas provides counsel and representation of debtors in Chapter 7 and Chapter 13 cases and debt settlement. In Chapter 7, income-eligible debtors hope to discharge their unsecured debt without any payment, other than legal and court filing fees. In Chapter 13, higher income debtors with steady income agree to make monthly payments to the Chapter 13 Trustee for a 3 to 5 year term in order to protect their equity in property such as homes or cars from creditors. A bankruptcy filing offers immediate and powerful relief for clients, as it stops all court actions, legal proceedings, and foreclosure actions. Each person or family’s financial situation is unique and Attorney Thomas urges one to have a full, open discussion of finances in order to provide options.
“I was embarrassed and afraid to contact a lawyer about my mortgage and debt situation. When I met with Atty. Rob Thomas, he immediately put me at ease. His kindness and calm manner really helped me relax and get through a difficult time. All throughout the process, he explained everything to me in a way I could easily understand. He put all the forms together for me, and went to the meeting of creditors with me. After filing my bankruptcy, I realized there really was “light at the end of the tunnel.” I would recommend him to anyone in a difficult financial situation.”