The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville.  Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy.  MSN recently posted an article about bankruptcy myths that we will share with you.  Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates. We are here to help you start a new beginning, call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy Attorney. We are a debt relief agency.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy and get your New Beginning.  Only $100 to star your Affordable Bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcy meeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Receiving calls from debt collectors?  If you’re trying to get creditors to stop calling, you may want to change your phone number instead of immediately filing for bankruptcy. When filing bankruptcy, timing is everything. Waiting just a few weeks could be the difference of having recently transferred property seized or having extra debt tacked on to your bills.

Here are five situations where it’s better to wait before filing an Affordable Bankruptcy with the law firm of Schlyer & Associates.

1. If you’re going to have more debt soon. When you file bankruptcy, all of your debts leading up to that point are exonerated. But if you know you are going to have an expense in the near future, like a surgery planned months in advance, wait to file until after the surgery is over. If you file before, you will still have to pay the costs of the surgery.

2. If your income just dropped. When you originally file for Chapter 7 bankruptcy, the court will look to your income over the past six months to see if you have the means to pay off your debts. If you were recently laid off but your previous income was high, you may only be eligible for Chapter 13 bankruptcy, which still requires you pay off some portion of the debt. If you wait to show that your income has significantly decreased, you will be able to qualify for Chapter 7.

3. If you have an unspent tax refund. Wait to file until after you spend your tax refund because once you file, it will become part of your bankruptcy estate and will be used to pay off creditors. But when you use it, make sure you spend your refund on necessities like a mortgage payment, utilities, food, clothing, medical care, car payments or education. If you spend it on anything else, it will affect your case.

4. If you’ve bought luxury goods within 90 days of filing. If you spend $550 on luxury items within 90 days of filing for bankruptcy, the court will question if you ever intended on paying the debt back. Once you file for bankruptcy, your debt could be denied discharge because of bad faith and you will still have to pay back the debt during bankruptcy.

5. If you’re trying to get rid of student loans. Since the Bankruptcy Consumer and Protection Act passed in 2005, student loans are no longer forgiven in bankruptcy. But more graduates than ever – 13.4 percent – are defaulting on their loans just three years after starting to pay them off, according to the most recent Department of Education Statistics available. If your loans go into collection, stay calm. Don’t panic and file Chapter 7 bankruptcy because it simply won’t help.

This article was originally published on Manilla.com.

Start Spring 2013 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Do you need to file bankruptcy?  Only have $100?

With $100 down, you can begin the journey to discharging your debts.  It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 and once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

Start 2012 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Are you in debt?  Tired of receiving telephone calls from bill collectors?  Want to stop the debt collectors in their tracks?  You may need to file bankruptcy.  Only have $100?  With $100 you can start your journey to a new beginning.

With $100 down, you can begin the journey to discharging your debts.  It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 and once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

Start 2012 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, warn of a recall issued by the U.S. Consumer Product Safety Commission of 5,400 Briggs & Stratton Ariens Snow-Thro 24 inch snow blowers.

According to the recall notice, the snow blower's carburetor bowl nut can allow gas to escape from the unit, which can result in a fire hazard.  The recalled snow blower is 24-inches wide and comes in orange with black.

Photograph from the recall notice.

The recalled snow blowers were sold at Ariens dealers and The Home Depot nationwide from August through September 2012 for about $800 to $1000.

If you have one of the recalled snow blowers, you should immediately stop using the machine and contact the Briggs & Stratton Corporation, of Milwaukee, Wisconsin at (877) 564-0172.

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, slip and falls at restaurants, slip and falls at stores, boating accidents, casino injuries, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville.  Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy.  MSN recently posted an article about bankruptcy myths that we will share with you.  Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Do you need to file bankruptcy?  Only have $100?

With $100 down, you can begin the journey to discharging your debts.  It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 and once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

Start 2012 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Do you need to file bankruptcy?  Only have $100?

With $100 down, you can begin the journey to discharging your debts.  It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 and once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

Start 2012 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Please visit and Like our Facebook page at https://www.facebook.com/schlyerlaw.  You will find pictures and other useful information on our Facebook page.

We provide new and different content on our Facebook page in order to better inform our clients of our services.

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, casino injuries, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville.  Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy.  MSN recently posted an article about bankruptcy myths that we will share with you.  Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Please visit and Like our Facebook page at https://www.facebook.com/schlyerlaw.  You will find pictures and other useful information on our Facebook page.

We provide new and different content on our Facebook page in order to better inform our clients of our services.

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, casino injuries, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The attorneys at the Northwest Indiana personal injury law firm of Schlyer & Associates, the Aggressive Trial Lawyers, is warning of a report issued by the U.S. Consumer Product Safety Commission (CPSC) of the danger of drowning.  The CPSC is warning drowning is the leading cause of unintentional death among children ages 1 to 4.

CPSC's drowning prevention safety tips include:

• Never leave young children alone near any water or tub or basin with fluid. Young children can drown in even small amounts of liquid.
• Always keep a young child within arm's reach in a bathtub. If you must leave, take the child with you.
• Don't leave a baby or young child in a bathtub under the care of another child.
• Never leave a bucket containing even a small amount of liquid unattended. Toddlers are top heavy and they can fall headfirst into buckets and drown. After using a bucket, always empty and store it where young children cannot reach it. Don't leave buckets outside where they can collect rainwater.
• Consider placing locks on toilet seat covers in case a young child wanders into the bathroom.
• Learn CPR (cardiopulmonary resuscitation). It can be a lifesaver when seconds count.

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, casino injuries, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Are you in debt?  Tired of receiving telephone calls from bill collectors?  Want to stop the debt collectors in their tracks?  You may need to file bankruptcy.  Only have $100?  With $100 you can start your journey to a new beginning.

With $100 down, you can begin the journey to discharging your debts.  It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 and once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

Start 2012 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Are you in debt?  Tired of receiving telephone calls from bill collectors?  Want to stop the debt collectors in their tracks?  You may need to file bankruptcy.  Only have $100?  With $100 you can start your journey to a new beginning.

With $100 down, you can begin the journey to discharging your debts.  It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 and once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

Start 2012 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Please visit and Like our Facebook page at https://www.facebook.com/schlyerlaw.  You will find pictures and other useful information on our Facebook page.

We provide new and different content on our Facebook page in order to better inform our clients of our services.

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, casino injuries, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Now is the time to start preparing to file an Affordable Bankruptcy and start your new beginning with a fresh start, debt free.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself now to see if it is time for you to call us for a free Affordable Bankruptcy consultation in 2012 and get real debt relief.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Did you over spend on Holiday gifts?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy in 2012. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Now is the time to start preparing to file an Affordable Bankruptcy and start your new beginning with a fresh start, debt free.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself now to see if it is time for you to call us for a free Affordable Bankruptcy consultation in 2012 and get real debt relief.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Did you over spend on Holiday gifts?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy in 2012. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.  We can help you stop your debt and begin a new financial life.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcy meeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!  Start a new financial life.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Merrillville Indiana personal injury law firm, Schlyer & Associates, the Aggressive Trial Lawyers is warning of a recall issued by the U.S. Consumer Product Safety Commission of about 300,000 Discovery Kids™ Animated Marine and Safari Lamps imported by Innovage LLC, of Foothill Ranch, California.

According to the recall notice, the placement of internal wires near the circuit board can cause electrical short-circuiting and sparking, posing a fire and a burn hazard to consumers.

An example of one of the recalled sets from the recall notice.

The recalled lamps were sold at Bed Bath & Beyond, Bonton, JCPenney, Kohls, Office Max, Toys "R" Us stores nationwide as well as the online retailers Amazon, Ideeli, JCPenney, Kohls, Macy's and Overstock from June 2010 through March 2012 for between $10 and $20.

If you have one of the recalled lamps, you should immediately stop using the lamps and contact Innovage at (888) 232-1535 for instructions on how to obtain a full refund.

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, casino injuries, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Want to Stop Collection Calls?  We can help you stop drowning in your debt and stop the debt collection calls.  We can help you receive the debt relief you need and want.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

With $100, you can start your Affordable Bankruptcy and begin your new financial life.

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Have too many medical bills to pay?

Are you unable to make payments to your creditors?

Getting payday loans or borrowing from family and friends?

Do you receive many telephone calls from collection agencies or debt collectors?

Are you borrowing from any retirement funds to pay debts?

Do you avoid answering the phone, to avoid collection calls?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with a bankruptcy lawyer.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Are you in debt?  Tired of receiving telephone calls from bill collectors?  Want to stop the debt collectors in their tracks?  You may need to file bankruptcy.  Only have $100?  With $100 you can start your journey to a new beginning.

With $100 down, you can begin the journey to discharging your debts.  It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 and once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

Start 2012 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

We can help you stop drowning in your debt and stop the debt collection calls.  We can help you receive the debt relief you need and want.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

With $100, you can start your Affordable Bankruptcy and begin your new financial life.

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Have too many medical bills to pay?

Are you unable to make payments to your creditors?

Getting payday loans or borrowing from family and friends?

Do you receive many telephone calls from collection agencies or debt collectors?

Are you borrowing from any retirement funds to pay debts?

Do you avoid answering the phone, to avoid collection calls?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with a bankruptcy lawyer.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Want to Stop your Debts?  Do you need to file bankruptcy?  Only have $100?

With $100 down, you can begin the journey to discharging your debts.  Stop your debts cold.   It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 and once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

Start 2012 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Yes.  An Affordable Bankruptcy does exist at Schlyer & Associates.  We can help you declare an Affordable Bankruptcy.  With $100, you can begin the process to re-start your financial life.

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville.  Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy.  MSN recently posted an article about bankruptcy myths that we will share with you.  Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville.  Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy.  MSN recently posted an article about bankruptcy myths that we will share with you.  Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville.  Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy.  MSN recently posted an article about bankruptcy myths that we will share with you.  Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Aggressive Trial Lawyers, Schlyer & Associates, based in Merrillville, Indiana is warning of a recall issued by the U.S. Consumer Product Safety Commission of 43,700 Five-Light Floor Lamps sold by Big Lots stores.

According to the recall notice, the wiring for the lamp’s light sockets can become exposed, posing a risk of electric shock to consumers. In addition, use of the recommended standard 40 watt light bulbs can generate excessive heat, which can melt the double plastic shades over the bulbs.

Photograph from the recall notice.

The recalled lights were sold only at Big Lots stores nationwide from April 2010 through November 2011 for between $30 and $50.

If you own one of the recalled lights, you should immediately stop using the lamps and return them to a Big Lots store for a full refund or contact Big Lots toll-free at (866) 244-5687.

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Now is the time to start preparing to file an Affordable Bankruptcy in 2012.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself now to see if it is time for you to call us for a free Affordable Bankruptcy consultation in 2012 and get real debt relief.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Did you over spend on Holiday gifts?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy in 2012. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Do you need to file bankruptcy?  Only have $100?

With $100 down, you can begin the journey to discharging your debts.  It doesn't matter if you need to file a Chapter 7 or Chapter 13 bankruptcy.  We can help you receive debt relief.

You can start your Affordable Bankruptcy with $100 and once you file your bankruptcy, you will stop receiving bill collector calls, stop garnishments, stop receiving collection notices in the mail and begin the process becoming debt free.

You can declare bankruptcy with only $100 down.  Call the Merrillville bankruptcy law firm of Schlyer & Associates today to file your Affordable Bankruptcy at (219) 757-0225.

Start 2012 with the resolution to become debt free by filing an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting with an Affordable Bankruptcy lawyer.

Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Now is the time to start preparing to file an Affordable Bankruptcy in 2012.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself now to see if it is time for you to call us for a free Affordable Bankruptcy consultation in 2012 and get real debt relief.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Did you over spend on Holiday gifts?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy in 2012. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcymeeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

On tv show recently, the main character thought he needed to declare bankruptcy to get rid of his debts.  After much debate, he opened his office door and yelled to his entire office staff, "I DECLARE BANKRUPTCY."  The character immediately said, "Whew, that was easy, what a relief!"

Imagine if life were really that simple. While it is a little more involved than screaming, I declare bankruptcy, filing for bankruptcy relief is not as difficult as you might think.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates based in Merrillville, Indiana is here to help you file bankruptcy.

There are many bankruptcy myths that scare many people.  MSN recently posted an article about bankruptcy myths that we will share with you?

With a mind toward declawing the monster, here are a dozen misconceptions about bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

On tv show recently, the main character thought he needed to declare bankruptcy to get rid of his debts.  After much debate, he opened his office door and yelled to his entire office staff, "I DECLARE BANKRUPTCY."  The character immediately said, "Whew, that was easy, what a relief!"

Imagine if life were really that simple. While it is a little more involved than screaming, I declare bankruptcy, filing for bankruptcy relief is not as difficult as you might think.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file anAffordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Merrillville, Indiana personal injury law firm, Schlyer & Associates, the Aggressive Trial Lawyers is warning Toyota is recalling about 420,000 vehicles.  According to Toyota, an engine issue may cause an unexpected increase in steering effort.

Several vehicles are affected by this recall: the 2004 Avalon; 2004-5 Camry, Highlander, Sienna and Solara; 2006 Highlander HV; 2004-5 Lexus ES 350 and RX 330; and the 2006 RX 400h hybrid.

A problem with the crankshaft pulley could allow the belt for the power-steering pump to come off of the pulley, causing “a sudden increase in steering effort," according to Toyota.

The Aggressive Trial Lawyers at  Schlyer & Associates have the experience to represent you in many types of personal injury cases or other legal matters.

The attorneys at Schlyer & Associates have experience in many types of personal injury cases.  For example, the Aggressive Trial Lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

If you believe you have a legal matter to discuss with us, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.

The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Griffith, Highland, Gary, Whiting, Munster, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, Valparaiso, Hebron, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  Many of the Aggressive Trial Lawyers at Schlyer & Associates are licensed in both in Indiana and Illinois.

You can find our office in Northwest Indiana at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, down the street from Excel Academies of Cosmetology, Ted's Imported FoodsandCosmo Prof (a distributor of beauty products to licensed professionals).

Call us today at (219) 757-0225 to get the representation you deserve.

Injured?  Don't settle for less.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

On tv show recently, the main character thought he needed to declare bankruptcy to get rid of his debts.  After much debate, he opened his office door and yelled to his entire office staff, "I DECLARE BANKRUPTCY."  The character immediately said, "Whew, that was easy, what a relief!"

Imagine if life were really that simple. While it is a little more involved than screaming, I declare bankruptcy, filing for bankruptcy relief is not as difficult as you might think.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file anAffordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Northwest Indiana law firm of Schlyer & Associates can help you file an Affordable Bankruptcy.   We help people declare an Affordable Bankruptcy in Lake County and Porter County, Indiana.

Which type of Affordable Bankruptcy is right for you?

Chapter 7 Bankruptcy

There are two basic types of bankruptcy available for people (not corporations).  A Chapter 7 is a liquidation of all unsecured debt with the option of retaining or returning secured property. That sounds very impressive and lawyer-like doesn’t it?  To say it another way, in a Chapter 7 you list all the debt you owe and you can keep the debt you decide to pay for, like a house or a car.  The other debts, like credit cards, medical bills, signature loans, payday loans and mail order things, are discharged (or forgiven)  and you would never have to pay those debts. If you decide you cannot afford to keep your house or a car, you have the option of giving the property back and owing that creditor nothing.

Chapter 13 Bankruptcy

A Chapter 13 is a reorganization of debt, a lot like credit counseling without the late fees, interest and collections.  In a Chapter 13 we put together a budget based on your net income and your everyday routine living expenses (not including your debts, mortgage or car payments).  This formula gives us an excess amount of income available for repayment of your debts.  Once we agree this figure is accurate, we file your bankruptcy and that amount is paid to a trustee on a monthly basis and he pays your debts for you.  He will focus first on secured debts, like a mortgage and cars. If he has money left over he will then make a distribution to your unsecured creditors.  While you bankruptcy is pending creditors cannot attempt to collect the debt.  At the end of your Chapter 13, your unsecured debts would be discharged and you would go back to making your mortgage payment.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file bankruptcy.  Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.

If you live in the communities of f Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores we can help you file an Affordable Bankruptcy.

Please call our office today at (219) 757-0225 to schedule a free consultation with an Affordable Bankruptcy lawyer.  We are a debt relief agency.  We can help you declare bankruptcy.

We are conveniently located at 200 West 80th Place, Merrillville, Indiana  46410, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

On tv show recently, the main character thought he needed to declare bankruptcy to get rid of his debts.  After much debate, he opened his office door and yelled to his entire office staff, "I DECLARE BANKRUPTCY."  The character immediately said, "Whew, that was easy, what a relief!"

Imagine if life were really that simple. While it is a little more involved than screaming, I declare bankruptcy, filing for bankruptcy relief is not as difficult as you might think.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13.  By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt.  You can stop foreclosure, garnishments and end creditor harassment.  At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished.  Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file anAffordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcy meeting with one of our bankruptcy lawyers.  We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Northwest Indiana personal injury law firm, Schlyer & Associates, the Aggressive Trial Lawyers, requests you  join Service Doctor for its Annual BlackTop BBQ Cook Off fundraiser to support The Humane Society of Northwest Indiana.

All You Can Eat BBQ - $16 Admission

Kids under 6 FREE.

If you would like to join Service Doctor or would like to Sponsor a Grill please call Service Doctor at 219-942-0883.

Service Doctor

5150 E Us Hwy. 30
Merrillville, Indiana 46410
219-942-0883

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file anAffordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcyattorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

The Northwest Indiana personal injury law firm, Schlyer & Associates, the Aggressive Trial Lawyers, requests you  join Service Doctor for its Annual BlackTop BBQ Cook Off fundraiser to support The Humane Society of Northwest Indiana.

All You Can Eat BBQ - $16 Admission

Kids under 6 FREE.

If you would like to join Service Doctor or would like to Sponsor a Grill please call Service Doctor at 219-942-0883.

Service Doctor

5150 E Us Hwy. 30
Merrillville, Indiana 46410
219-942-0883

What should you do if you were injured and it was not your fault?

If you have been injured, please contact the law firm of Schlyer & Associates.  The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?

The attorneys at Schlyer & Associates have experience in many types of personal injury cases.  For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases.  Many cases are settled before a law suit is filed.  If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?

There is no fee unless successful.  If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.  Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file anAffordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.  We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcyattorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely.  You can live just about anywhere and we can still represent you.  However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area.  It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana   46410.  We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, a personal injury & Affordable Bankruptcy law firm in Merrillville, Indiana, we aim to help you in your financial difficulties.  We can help you file an Affordable Bankruptcy.

Here are a few questions to ask yourself to see if it is time for you to call Schlyer & Associates for a free bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and goods to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

If your answer to the above questions are yes, bankruptcy may be an option for you.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys.  Dealing with financial difficulties can be a stressful time on you and your loved ones.   We will help you file an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file anAffordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.

If you live in the communities of f Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores we can help you file an Affordable Bankruptcy.

Please call Schlyer & Associates today at (219) 757-0225 to schedule a free consultation with an affordable bankruptcy lawyer.  We are a debt relief agency.

We are conveniently located at 200 West 80th Place, Merrillville, Indiana  46410, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest, Indiana, we aim to help you in your financial difficulties by helping you file an Affordable Bankruptcy.

Here are a few questions to ask yourself to see if it is time for you to call Schlyer & Associates for a free bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and goods to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

If your answer to the above questions are yes, bankruptcy may be an option for you.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.

If you live in the communities of f Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores we can help you file an Affordable Bankruptcy.

Please call Schlyer & Associates today at (219) 757-0225 to schedule a free consultation with an affordable bankruptcy lawyer.  We are a debt relief agency.

We are conveniently located at 200 West 80th Place, Merrillville, Indiana  46410, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Northwest Indiana Bankruptcy Attorney Discusses Basics for Filing an Affordable Bankruptcy

Schlyer & Associates, a law firm in Northwest, Indiana can help you file an Affordable Bankruptcy.   We help people file bankruptcy in Lake County and Porter County, Indiana.

Which type of Affordable Bankruptcy is right for you?

Chapter 7 Bankruptcy

There are two basic types of bankruptcy available for people (not corporations).  A Chapter 7 is a liquidation of all unsecured debt with the option of retaining or returning secured property. That sounds very impressive and lawyer-like doesn’t it?  To say it another way, in a Chapter 7 you list all the debt you owe and you can keep the debt you decide to pay for, like a house or a car.  The other debts, like credit cards, medical bills, signature loans, payday loans and mail order things, are discharged (or forgiven)  and you would never have to pay those debts. If you decide you cannot afford to keep your house or a car, you have the option of giving the property back and owing that creditor nothing.

Chapter 13 Bankruptcy

A Chapter 13 is a reorganization of debt, a lot like credit counseling without the late fees, interest and collections.  In a Chapter 13 we put together a budget based on your net income and your everyday routine living expenses (not including your debts, mortgage or car payments).  This formula gives us an excess amount of income available for repayment of your debts.  Once we agree this figure is accurate, we file your bankruptcy and that amount is paid to a trustee on a monthly basis and he pays your debts for you.  He will focus first on secured debts, like a mortgage and cars. If he has money left over he will then make a distribution to your unsecured creditors.  While you bankruptcy is pending creditors cannot attempt to collect the debt.  At the end of your Chapter 13, your unsecured debts would be discharged and you would go back to making your mortgage payment.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file bankruptcy.  Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.

If you live in the communities of f Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores we can help you file an Affordable Bankruptcy.

Please call our office today at (219) 757-0225 to schedule a free consultation with an affordable bankruptcy lawyer.  We are a debt relief agency.

We are conveniently located at 200 West 80th Place, Merrillville, Indiana  46410, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Schlyer & Associates, a Northwest Indiana Affordable Bankruptcy law firm answers your bankruptcy questions.  Today we will be discussing:

What is secured debt? Generally speaking, it means you purchased something on credit and you have their property. It is a house, a car or motorcycle.  Those are considered secured debts as long as you still have the property.

What is an unsecured debt? A unsecured debt is a credit card that you can use anywhere in any store.  If you use your VISA or Mastercard to buy CDs or a pair of shoes, the credit card company does not get/keep an interest in that property, it is unsecured.

On the other hand, if you take out a loan for a car, the loan documents specify that the loan is for a car and the creditor retains a security interest in the property until the property is paid off, the loan is secured.

Does it matter if my debt is secured or unsecured if I file bankruptcy? In a bankruptcy, you must decide what you want to do with secured debt.  If you want to keep the property, the house or car, you must make arrangements to continue making your required monthly payment.  This is known as a Reaffirmation.  If you want to keep the house or car, the debt is listed on your bankruptcy and then you can ‘reaffirm” or keep the property by making your payments.

On the other hand, if you no longer want to keep the house or car, you can surrender back the property to the creditor and owe them nothing.  Once the property is surrendered back to the creditor, the remaining balance becomes unsecured and is discharged.

Can I have an example? Sure, if you take out a loan at a place like American General Finance or Beneficial Finance, those debts are unsecured as long as you did not pledge your personal property as collateral to secure the debt. If you did, then the loan is secured by your personal property.  Payday loans are unsecured.

There are many other types of loans, credit cards and debts out there.  Please call us and schedule a free appointment to discuss your Affordable Bankruptcy options with one of our lawyers.  We will  discuss the type of debt you have and we can together figure out the best way for you to proceed.

If you have a great deal of medical debt (bills), credit card, house, car, payday or another other kind of debt and want to discuss your options, please call us at Schlyer & Associates at (219) 757-0225.  We can help you eliminate or reduce your debt.  We offer free face to face consultations in our office.

The attorneys at Schlyer & Associates can help you file Chapter 7 and Chapter 13 Affordable Bankruptcy, if you live in Lake County or Porter County, Indiana.  Please feel free to contact us today at (219) 757-0225 if you or your loved one was injured or needs to file bankruptcy.  We are a debt relief agency.

We can help you file Chapter 7 or Chapter 13 Affordable Bankruptcy if you live in the Lake County or Porter County communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores.

We are located at 200 West 80th Place, Merrillville, Indiana 46410.  Our office is located across the street from Eye Care Plus and Spill the Beans gourmet coffee shop.

Please call us today at (219) 757-0225 to schedule a meeting with an Affordable Bankruptcy lawyer today.

Posted by Schlyer & Associates

Borders Books, the bankrupt 40-year-old bookseller, announced Monday that it will  ask the bankruptcy court to liquidate and close all of its remaining stores, after no last-minute savior emerged for the company, the Affordable Bankruptcy law firm of Schlyer & Associates is advising.

Borders liquidation plan will be presented to the federal judge overseeing the company's bankruptcy case on Thursday.

What is left to unwind are Borders' 399 stores, about two-thirds of the locations it operated when it filed for bankruptcy in February. It currently has 10,700 employees, including the store in Highland, Indiana.

It appears Borders will begin closing its remaining stores as soon as Friday, with the liquidation sale expected to run through September if approved by the bankruptcy court.

The lawyers at Schlyer & Associates can help you file Chapter 7 and Chapter 13 Affordable Bankruptcy, if you live in Lake County or Porter County, Indiana.  Please feel free to contact us today at (219) 757-0225 if you or your loved one was injured or needs to file bankruptcy.

We can help you file Chapter 7 or Chapter 13 Affordable Bankruptcy if you live in the Lake County or Porter County communities of East Chicago, Gary, Hammond, Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Winfield, Lowell, Lake Dalecarlia, Miller, Lake Village, Valparaiso, Hebron, Chesterton, Dune Acres, Kouts, Odgen Dunes, Town of Pines, Portage, Beverly Shores, Porter, Wheeler or South Haven.  We are a Debt Relief Agency.

If you need to file bankruptcy, please feel free to contact Schlyer & Associates today at (219) 757-0225 and schedule an appointment with one of our Affordable Bankruptcy lawyers.

Our main office is located at 200 West 80th Place, Merrillville, Indiana   46410.  We are located across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Posted by Schlyer & Associates - an Affordable Bankruptcy Law Firm

I am a bankruptcy attorney at Schlyer & Associates in Northwest Indiana.  I help people file an Affordable Bankruptcy in Lake County and Porter County, Indiana. I enjoy filing bankruptcy for my clients, especially when there are credit cards involved.

Don’t get me wrong, there is nothing wrong with having and using credit cards - I have credit cards.  What I find disturbing is credit card companies charging you $35.00 late fees, interest, and then when you go over your limit because of their additional charges, they add over the limit fees.

Then when your payment is five days late, the fun begins: telephone calls from these very creditors who cannot seem to understand why you cannot pay your bill or make a $100.00 over the phone payment!

Those crummy creditors don’t care that you lost your job, you have suffered an illness or an injury or that you simply do not have the money they demand.  Even if you explain it, they will call back in an hour to have you explain it again.

I get so frustrated with creditors because I believe their collection tactics usually run people straight to me!

Once you come to see the attorneys at Schlyer & Associates and we figure out the best way to help you, the next thing those crummy creditors will get from you will be a bankruptcy notice, because you filed an Affordable Bankruptcy.

When you file for bankruptcy relief, the Bankruptcy Court in the Northern District of Indiana, Hammond Division, will issue an Automatic Stay on your behalf.  An Automatic Stay is a magic piece of paper, it is your shield, your protection from creditors.  Once your creditors receive an Automatic Stay, they have to stop all collection activity immediately.

What does that mean to you?  It means no more phone calls, no more letters, no more bills and no more harassment. If they are garnishing your wages, it will stop immediately. If they have filed a lawsuit, it will be put on hold and stopped.  You can hold your shield up to all creditors and they will be stopped in their tracks.

At Schlyer & Associates, we have free in office face to face meetings to help you understand the bankruptcy process and to help you navigate this path.  Let us give you the shield you need to keep creditors from harassing you.  Let us help you file an Affordable Bankruptcy.

If you live in the Lake County or Porter County communities of East Chicago, Gary, Hammond, Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Winfield, Lowell, Lake Dalecarlia, Miller, Lake Village, Portage, Valparaiso, Chesterton, Burns Harbor, Porter, Hebron, Pines, South Haven, Westville, Ogden Dunes, Beverly Shores we can help you file an Affordable Bankruptcy.

If you believe you need to talk to a bankruptcy lawyer, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free consultation.  Our office address is 200 West 80th Place, Merrillville, Indiana   46410.

We are conveniently located across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Let us help you file an Affordable Bankruptcy.

Next - Bankruptcy Drawbacks

Posted by Bankruptcy Attorney Jennifer Eversole

Northwest Indiana Law Firm Warns of Backpack Gas Blower Recall

The Merrilville, Indiana personal injury law firm, Schlyer & Associates warns of the recall of backpack gas blowers due to a fire hazard.

The U.S. Consumer Product Safety Commission along with importer Maruyama U.S. Inc. announced the recall of about 18,000 blowers.

According to the recall notice, the gasoline tank can split and leak fuel, posing a fire hazard to users of the blower.

If you or a loved one has a recalled blower, you should immediately stop using the blower and return them to the nearest dealer for a free replacement fuel tank.  Owners can also contact Maruyama toll-free at (866) 783-7400 for assistance.

Over the years, Schlyer & Associates has represented people injured in car crashes, slip and falls, medical malpractice, workers compensation, product liability and other injury cases.  The law firm also assists individuals file Chapter 7 and Chapter 13 bankruptcy, if you live in Lake County or Porter County, Indiana.  Please feel free to contact us today at (219) 757-0225 if you or your loved one was injured or needs to file bankruptcy.

Schlyer & Associates represents injured people in many Northwest Indiana communities, including East Chicago, Gary, Hammond, Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Winfield, Lowell, Lake Dalecarlia, Miller, Lake Village, Valparaiso, Hebron, Chesterton, Dune Acres, Kouts, Odgen Dunes, Town of Pines, Portage, Beverly Shores, Porter, Wheeler, South Haven as well as in Calumet City, Lansing, Chicago, Burnham and many other communities in Illinois.

Our main office is located at 200 West 80th Place, Merrillville, Indiana   46410.

We can help you file an Affordable Bankruptcy in Northwest Indiana.

At Schlyer & Associates, a law firm in Merrillville, Lake County, Indiana, we help people file for bankruptcy.  I meet with people everyday who are embarrassed, uncomfortable or feel that they are doing something bad.  It made me start thinking about bankruptcy and who has filed for bankruptcy.

You might be surprised at some of the famous people who filed for bankruptcy. Everyone knows Donald Trump, but did you know Elton John, Burt Reynold, Debbie Reynolds, Mick Fleetwood and Francis Ford Coppola filed bankruptcy?

Would it surprise you to learn that Abraham Lincoln, Thomas Jefferson, Ulysses S. Grant, Milton Hershey and Henry Heinz all filed bankruptcy as well?

Filing for bankruptcy, either Chapter 7 or Chapter 13, is a very personal and difficult decision.  Contrary to what the media (and Congress) would have you believe, most people do not enter into that decision lightly.

At Schlyer & Associates, we practice exclusively in Northwest Indiana, Lake and Porter Counties (only) and we understand the difficulty in making such a decision.

If you live in the communities of East Chicago, Gary, Hammond, Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Lakes of the Four Seasons, Schneider, Shelby,  Merrillville, Hobart, New Chicago, Winfield, Lowell, Lake Dalecarlia, Miller, Lake Village, Portage, Valparaiso, Chesterton, Burns Harbor, Porter, Hebron, Pines, South Haven, Westville, Ogden Dunes, Beverly Shores we can help you file an Affordable Bankruptcy.

We are here to help you navigate this difficult path.

Something else to consider if you need bankruptcy relief or you know someone who is struggling, approximately 1.4 million people filed for bankruptcy in 2009.

These are people who have all struggled financially and have had to make this difficult decision.  Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed.  We are here to help.

Please call our office today at (219) 757-0225 to schedule a free consultation with a bankruptcy attorney.

We are conveniently located across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.