Washington, DC Bankruptcy and Debt Relief Law Firm

Ammerman & Goldberg

1115 Massachusetts Ave NW
Washington, District of Columbia 20005
USA

(202) 638-0606

(202) 638-5858

www.ammermangoldberg.com

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Law Firm Overview

Ammerman & Goldberg is committed to helping those who are struggling to pay their monthly bills and avoid foreclosure on their homes. We have handled thousands of Chapter 7 and Chapter 13 bankruptcy cases for people throughout Virginia, Maryland and the Washington, D.C., metropolitan area. We have helped numerous people save their home from foreclosure by filing for bankruptcy and restructuring their debt.

Our bankruptcy and debt relief attorneys have over fifty years of combined experience handling Chapter 7 and Chapter 13 bankruptcy cases. We have handled more consumer bankruptcies than any other Washington, D.C., bankruptcy law firm and have flexible hours and multiple office locations to meet the needs of our clients.

The bankruptcy law firm of Ammerman & Goldberg believes in assisting clients and their families with the chance to get a fresh start. They know that it is easy for people to get in debt, and very hard - sometimes impossible - to get out of debt on their own. The help of an experienced bankruptcy attorney is what many people need to get them back on their feet again.

Ammerman & Goldberg has been in practice since 1986. They have handled more consumer bankruptcy cases than any other Washington DC consumer bankruptcy law firm. In fact, they have provided debt relief services and bankruptcy filings for over 10,000 clients and their families!

Practice Areas

Practice Areas Description

- Debtor Creditor Law

Debtor-creditor law involves the legal interactions between those parties that owe money and the parties to which the money is owed. Often an aspect of everyday life with little involvement by courts and lawyers, when debtor-creditor situations become more complicated, the legal entanglements and implications grow. That is when a competent and experienced debtor-creditor lawyer becomes an essential ally in reclaiming financial security, whether you are a debtor or a creditor. If you have debt-related legal questions, call one today.

- Bankruptcy

Filing for bankruptcy is often the most effective means for overcoming issues related to mounting debt, massive medical expenses and the threat of foreclosure. It is important that you understanding the debt relief and bankruptcy options available for avoiding foreclosure and rebuilding your credit before you make decisions that will affect the future of you and your family. At the law office of Ammerman & Goldberg, our attorneys work closely with clients to help them take advantage of allowances within the law that can help them keep their home, car and other property and assets during bankruptcy.

- Chapter 13 Bankruptcy

Chapter 13 bankruptcy (Adjustment of Debts of an Individual with Regular Income), often referred to as wage earner bankruptcy, is designed for people with a regular income who want to, but are unable to, pay off their debts. Ammerman & Goldberg routinely helps people struggling to pay their bills file for Chapter 13 bankruptcy. Under Chapter 13 bankruptcy, unlike Chapter 7 bankruptcy, debtors are allowed to keep all their possessions. Debtors are able to consolidate their debts and make payments over a three to five year period. During this time, creditors are prohibited from beginning or continuing collection actions. Some of the debts that can be consolidated under Chapter 13 bankruptcy include outstanding mortgage payments, auto payments, student loans, credit cards, and any other unsecured debts.

- Chapter 7 Bankruptcy

Chapter 7 bankruptcy, often referred to as Liquidation Bankruptcy or Straight Bankruptcy, eliminates most unsecured debts. Unsecured debts include debts such as credit cards, medical bills, and personal loans. Most people believe that when they file for Chapter 7 bankruptcy, all of their possessions will be liquidated. The truth is that when you hire Ammerman & Goldberg, we can help you protect your assets. Our objective in every bankruptcy case we handle is to ensure that our clients keep their home, car, and personal belongings, while their personal debts are eliminated.

- Chapter 11 Bankruptcy

Chapter 11 is only available to businesses; it is a way to handle your debts by reorganizing the business and repaying debts on a structured repayment plan. The great majority of businesses filing for Chapter 11 bankruptcy are able to continue relatively unchanged day-to-day operations. The thought behind this type of bankruptcy is that profit can be generated and jobs can be protected - allowing the business to continue operations greatly increases the chances that they will be able to eventually pay debts.

- Car Repossession

Once you default on your car payments, your creditor has the legal right to repossess your car. You loan contract typically lists the legal rights that your creditor retains on your car until make your last payment. Repossession can usually take place without going to court and without warning. At Ammerman & Goldberg, our lawyers represent consumers who are either facing car repossession or have already had their vehicle repossessed after filing for bankruptcy. Since filing for bankruptcy places an automatic stay against repossession, if you have filed for bankruptcy your creditor may be in violation of the law if they repossessed your car.

- Foreclosure Defense

Due to the subprime mortgage crisis, more and more Americans are facing foreclosure. Contrary to what many homeowners are told, there are legal options available for avoiding or challenging the loss of your house. At the law office of Ammerman & Goldberg, our attorneys strive to help people keep their homes through allowances within bankruptcy laws that enable you to reorganize debt and prevent banks from foreclosing on your house. The law office of Ammerman & Goldberg often helps clients avoid foreclosure in cases involving mortgage issues and situations such as: variable / adjustable rate mortgages (ARM), interest-only mortgages, teaser rates, illness or job loss and mortgage fraud. Filing for bankruptcy under Chapter 13 allows you to restructure your debt. While you will be required to make payments on your house and credit card debt according to a plan agreed to by your creditors, you will not lose your home.

- Mortgage Issues / Loan Modifications

To deal with mortgage issues, it may be possible to negotiate with the lender to secure a modification to your loan. This involves following a very specific set of criteria in order to qualify for the modification. A skilled attorney like those at Ammerman & Goldberg can help you with this difficult process. Also, keep in mind that even if a modification is obtained, you must still pay your mortgage, just on different terms. Having a lawyer on your side throughout the loan modification process can ensure that your rights are protected and your best interests are being served.