When you call the Law Office of Yelena Kalika, you can expect the highest level of customer service. Ms. Kalika understands that her clients are in need of help and are looking for a sympathetic ear from an attorney. Ms. Kalika knows that her clients did not choose their financial situation and she is committed to guiding and supporting them through the process of bankruptcy.
Call Ms. Kalika as soon as you receive any letters from the court. She will explain what the documents mean and what actions you must take. Ms. Kalika will explain what defenses and counterclaims you may have and what evidence you need to present in your defense. She will also represent you in court and, if necessary, negotiate with your creditors on your behalf.
Ms Kalika will assist you in determining whether bankruptcy is the best option for you. There is no one approach that works for everybody. Ms. Kalika will tailor a strategy that works in your individual situation. If you do not qualify for bankruptcy, Ms. Kalika will explain other options you may have, including entering into a settlement agreement with your creditors and the tax consequences such an agreement might create.
While bankruptcy law does not require you to be represented by an attorney, hiring a bankruptcy attorney is the right decision for many reasons. First of all, you only have one shot at bankruptcy every eight years. If you make any mistakes or omissions, your case may get dismissed and you will be stuck paying of the debt for years, losing you home or car, or having your wages garnished. It is also important to list all of your property, income, expenses and debts properly. If you fail to mention some of your debts in the bankruptcy petition, those debts will not be eliminated in bankruptcy and you will owe that money to your creditor even after the bankruptcy discharge. Failure to list all of your property and income may have criminal consequences.