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Consumer Bankruptcy

Do not let overwhelming debt destroy your life. No matter the reason you find yourself in debt; job loss, medical bills, student loans, loss of income, credit cards you have the right to the protection that bankruptcy provides. Start rebuilding your financial future today.

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Benefits of Bankruptcy

Do not fear or be embarrassed for considering bankruptcy. The fresh start Bankruptcy provides stops calls from creditors, garnishment of your wages, and allows you to begin rebuilding your credit score. It is possible to achieve a 720 credit score after Bankruptcy.

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Free Consultation

Bankruptcy Attorney, Steven J. Halbert will personally take the time to review your situation without judgment and with understanding. Go over all debt relief options and help you get back on the road to financial stability. Contact Steven J. Halbert today.

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Indiana Fair Debt Collections Practices Act Lawyer

Indianapolis FDCPA Attorney Steven J. Halbert Serves Clients Statewide

Regrettably, the fallout from the national economic crisis is unlikely to subside any time soon.

Many homeowners and businesses face difficult decisions regarding bankruptcy and cutting down on spending. Quarreling couples wonder if they can afford to pay for their divorce. Serious health issues can plunge any hard-working family into immediate financial distress.

Steven J. Halbert has almost 25 years of experience with providing solid legal assistance for those overcome with debt. His fees are reasonable and he will work with you on a payment plan that you can afford. Don't let debt collectors harass you — you are protected by the Fair Debt Collection Practices Act.

For experienced debt collections defense, debt relief legal advice and advice for fair credit reporting and credit score problems — practical solutions that can bring you and your Indiana family back from financial distress — the lawyer to speak with is Steven J. Halbert.

Contact him today to secure your free consultation. Our toll-free phone number is (765) 987-4305. You can also e-mail or fax us.

Don't Let Debt Collectors Harass You — Our Carmel Law Office Can Help

The Federal Debt Collections Practices Act specifically prohibits many activities that jeopardize your rights. Among the most common are situations like these:

  • A bill collector is not supposed to call you before 8 a.m. or after 9 p.m., or at any other time that is inconvenient.
  • While it is legal for collectors to call you at your work, if you tell them that their calls may put your job in jeopardy, then the calls must stop.
  • If they plan on taking legal action, it is legal to contact you again.
  • It is illegal for collectors to discuss your debt with a third party other than your spouse without your permission.
  • Collectors are not allowed to use profanity.
  • Collectors are not allowed to misrepresent themselves.
  • It is illegal for collectors to make false threats. If they say they are going to do something, they must enforce it. They can however, infer action and point out their legal rights.
  • You must receive a letter within five days of the first telephone contact. The letter will be about your account and you have the right to dispute it. If you dispute the debt in writing, all collection efforts must halt until it has been verified that there is debt.
  • If you have an attorney, the collector can only communicate with him or her until you are no longer using the attorney.

Are you being harassed by unscrupulous representatives of creditors? Steven J. Halbert offers free initial consultations, reasonable rates and maximum availability to his expertise throughout the legal process, so that any spontaneous question or concern you have can be addressed.

Contact our full-service bankruptcy and fair credit reporting law office for a free consultation. If you need an evening appointment, we can provide it.

Steven J. Halbert gives you straight answers as to all fees and costs associated with filing for bankruptcy. Our fees are low and there are no gimmicks or hidden charges. Flexible payment plans are available.

Indiana Fair Debt Collections Practices Act Attorney — Almost 25 Years Experience

You can benefit from Steven J. Halbert's many years of service, broad legal knowledge and wise guidance, starting today. Simply call us toll free: (765) 987-4305.

Our law firm is a debt relief agency that counsels clients according to federal Bankruptcy Code.

Steven J. Halbert, Attorney At Law, serves clients in Indiana cities such as Indianapolis, Carmel, Zionsville, Westfield, Fishers, Avon, Noblesville, Greenfield, Greenwood, Brownsburg, Lebanon, Westfield, Sheridan, Anderson, Pendleton, Kokomo and others throughout Marion County, Hamilton County, Boone County, Madison County, Hendricks County, Howard County and Hancock County.