Tenney Law Offices is a debt relief organization committed to rescuing people from debt. We
help people file for relief under the Federal Bankruptcy Code. Tenney
Law Offices works with people from all walks of life, and, unlike many
bankruptcy firms, the attorneys at Tenney Law Offices believe in a
personal touch.
You will meet and speak with our founding attorney,
Liz Tenney or our Of Counsel attorney, Jesse Sweeney. They will guide
you through the process and answer all of your questions.
Ms. Tenney and Mr. Sweeney have been friends since childhood and grew up in Lansing, Michigan. They have friends and family members that have been affected by the economy. The attorneys at Tenney Law Offices understand!
A COMMITMENT TO PERSONAL SERVICE
Some lawyers speak down to their clients, fail to return communications in a timely manner or just ignore them, but the attorneys at Tenney Law Offices will take the time to explain the process and work with you and your family to make your bankruptcy a success. You can communicate with our attorneys by email, text message or by phone, 24 hours a day, 7 days a week. We understand that many working Americans are unable to leave work during the day, therefore, we will be happy to meet with you AFTER 5 PM and on weekends.
WHAT WE DO AT TENNEY LAW OFFICES:
WE CAN ELIMINATE YOUR SECOND AND THIRD MORTGAGES
Is your home worth LESS than your first mortgage balance? Do you have additional mortgages? Existing bankruptcy laws allow you to AVOID the second mortgage and third mortgage, by having them discharged, sometimes paying as little as pennies on the dollar during a Chapter 13 plan. When you are discharged from the Chapter 13, you will not have a second or third mortgage!
WE CAN NEGOTIATE LOAN MODIFICATIONS
Convert your Adjustable Rate (ARM), or Interest Only Loan to a LOW Fixed Rate Mortgage – While under bankruptcy protection, Tenney Law Offices will, upon request, engage in negotiations to workout a Loan Modification agreement with your Lender or their Servicing Agent to reduce the Mortgage interest rate based on your personal level of need.
If you are still unable to make payments at this lower interest rate, we will negotiate with your lender to extend the amortization period, modifying the loan amount to a more affordable level. A Loan Modification will change your existing mortgage note and give you a fresh new start in managing your home. Your account could be brought up to date.
WE STOP FORECLOSURES, REPOSSESSIONS AND GARNISHMENTS
Many people fall behind on a mortgage due to unemployment or divorce. Mortgage companies will, in many cases, only give you a couple of months to become current. Through a Chapter 13 Bankruptcy filed by Tenney Law Offices, you may be able to pay off your mortgage arrearage over as long as 5 years. Further, under the provisions of the new law, you may be able to pay MUCH less for credit card debt, automobile loans, and taxes owed to the IRS.
In many cases under a Chapter 13 case, it is more advantageous to file under the new law! Should you want to prepare for our interview ahead of time, you can get a FREE credit report at http://www.annualcreditreport.com.
WE STOP CREDITOR HARASSMENT
Chapter 7 and 13 are safety nets under the Federal Bankruptcy Code. Once you file for protection under the code, all action against you must STOP, including phone calls and letters. If creditors continue to contact you after filing under Chapter 7 or 13, they face serious sanctions under Federal law. Garnishments, repossessions, collections and foreclosures are all TERMINATED by the bankruptcy filing.
STOP INTEREST AND LATE FEES ON CREDIT CARDS
Many credit card companies have provisions allowing for them to raise their interest rates on their card if you are late on another company's credit card. In a majority of cases, Chapter 13 will STOP the interest and late fees from accruing. If you qualify, filing Chapter 7 Bankruptcy through Tenney Law Offices can ELIMINATE credit card debt, in most cases, within 90 days of filing.