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

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

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

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

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.

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

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

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 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 nearly 20,000 Swimwear Set With Inflatable Inner Tube sold at Build-A-Bear Workshop.

According to the recall notice, the inner tube accessory can be pulled over a small child's head, posing a strangulation hazard.

Photograph from the recall notice.

The recalled suits were sold only at Build-A-Bear Workshop® stores nationwide and online at www.buildabear.com from April 2011 to August 2011 for $12.50.

If you have one of the recalled items, you should immediately stop using the inner tube and return it to any Build-A-Bear Workshop® store to receive a $5 store coupon. If it is not possible to return the inner tube to a store, consumers may contact the company for information about how to receive a 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, 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 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

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 personal injury law firm, Schlyer & Associates, the Aggressive Trial Lawyers is warning General Motors Co has recalled more than 38,000 Pontiac G8 vehicles, Reuters is reporting.

According to news reports, the 2008 & 2009 Pontiac G8 are being recalled in order to reprogram airbag modules for the front passenger seats.

According to a National Highway Traffic Safety Administration recall notice, the airbag modules for vehicles built for the 2008 and 2009 model years may not be in compliance with federal standards for head injury protection of some passengers.

GM reports the recall affects 38,444 Pontiac G8 models, which were manufactured in Australia and imported to the United States.

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 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.  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

Just a friendly reminder from Schlyer & Associates, the Aggressive Trial Lawyers, to set your clocks back one hour this weekend.

The best time to re-set your clocks is before you go to bed Saturday evening.

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 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.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Schlyer & Associates

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

An attorney with Schlyer & Associates, the Aggressive Trial Lawyers, participated the 5K race hosted by fellow Crossroads Regional Chamber of Commerce member, Bethel Church in Crown Point, Indiana.

The Bethel Church 5K race took place in the neighborhoods surrounding their church on Saturday, October 22, 2011.

Schlyer & Associates supports fellow chamber of commerce members and their endeavors.

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 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.  Injured?  Don't Settle For Less.

Remember, no personal injury fee unless successful.

Posted by Schlyer & Associates

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

The U.S. Consumer Product Safety Commission (CPSC) announced the recall of certain Carbon Monoxide (CO) detectors distributed by ADT Security Services, the Merrillville personal injury law firm Schlyer & Associates is warning.

According to the recall notice, about 20,000 CO detectors are subject to the recall.  The notice states when the CO detectors reach the end of their useful life, they should send a signal to make a sound in the home alarm panel alerting consumers it is time to replace them and a signal to ADT’s alarm monitoring center.

Some of the detectors were not wired properly to the ADT alarm system, resulting in the sound not going off in the home alarm panel and no signal to the ADT alarm monitoring center at the end of its useful life. Not replacing a CO detector at the end its useful life poses a CO poisoning hazard to consumers according to the recall notice.

This recall involves hard-wired carbon monoxide detectors with model CO 1224T installed by ADT. The model number is behind the front cover.

Photograph courtesy of the recall notice.

The recalled CO detectors were installed by ADT between October 2008 and December 2010 as part of home security systems.

If you have a recalled CO detector, you should contact ADT immediately at (800) 238-2727 for a free inspection of the recalled detectors and, if necessary, a free repair. Consumers should not attempt to disable the recalled detectors. ADT has contacted all customers.

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 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.  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

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 Affordable Bankruptcy law firm, Schlyer & Associates, can help you file an affordable Chapter 7 or Chapter 13 bankruptcy.   Schlyer & Associates helps people file bankruptcy in Lake County and Porter County, Indiana.

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 bankruptcy 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 bankruptcy, a budget is prepared 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 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 Lake 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 can help you file bankruptcy.

Please call our office today at (219) 757-0225 to schedule a free consultation with Affordable Bankruptcy attorney.  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

The Northwest Indiana personal injury and Affordable Bankruptcy law firm of Schlyer & Associates is warning of a recall of 185,000 pounds of ground turkey processed by Cargill due to salmonella concerns.

Apparently health officials had linked a strain of salmonella found in contaminated turkey products to 111 people falling ill in 31 states and at least one death in California.

According to news reports, the recalled meat, which included fresh and frozen ground turkey, was produced at Cargill's processing plant in Springdale, Arkansas.

News reports show the latest recalled products are labeled with the brand names Honeysuckle White, HEB and Kroger, Cargill said. The packages include a label with the establishment number P-963 inside the USDA mark of inspection.

The company urged customers who bought packages of the recalled turkey to return them to the stores where they were bought for 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 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.

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.  We are a debt relief agency.

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

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

What Bankruptcy Can and Cannot Do For You.

I am an Affordable Bankruptcy lawyer at Schlyer & Associates in Merrillville, Indiana and help people file an Affordable Bankruptcy in Lake County and Porter County, Indiana.  We are a debt relief agency.  There are some very real benefits to filing for Bankruptcy relief under Chapter 7 or Chapter 13 of the bankruptcy code.

However, there are also drawbacks to filing bankruptcy.  Let’s talk about bankruptcy like it was a Clint Eastwood movie:   the good, the bad and the ugly.

The Good. Bankruptcy can eliminate most debts and make it so that you do not have to pay them.  Some debt you just cannot get rid of, mostly debts owed to the government and debts relating to family law.  However, in a Chapter 7 bankruptcy, most debt is discharged, such as medical bills, credit cards and pay day loans.  In a Chapter 13, debt is paid through a repayment plan proposed by you and debt not paid in full is discharged at the end.  Bankruptcy will stop all creditor harassment, telephone calls, collection, lawsuits, garnishments, foreclosures and other actions by creditors.  In some instances in a Chapter 13 bankruptcy, interest rate on car loans can be lowered, allowing you to pay back less than what is owed on your vehicle.  Bankruptcy can help eliminate stress over past due or old debts.

The Bad. Bankruptcy is not something most people enter into lightly.  It is very emotional for some, stressful and embarrassing for others.  Some people feel like is a failure to have to file for bankruptcy relief.  Some people feel guilty for not paying their debts.  Bankruptcy is damaging to your credit.  Do not let anybody tell you different.  Bankruptcy stays on your credit report for up to seven years.  Bankruptcy does not wipe out the debt listed on your credit reports.  Bankruptcy can cause you to have to pay a higher interest rate for loans long after your bankruptcy is over.  A collection or lawsuit on your credit will cause these same “bad” things as well.

The Ugly? Well, we are not scary here at Schlyer & Associates, located in Northwest Indiana, so I am not sure where the ugly fits in to this blog, except it relates to the good and the bad.

The lawyers at Schlyer & Associates can help you file an Affordable Bankruptcy in Northwest Indiana.  We can help you file a Chapter 7 or 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.

We can help you file Chapter 7 or Chapter 13 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, Whiting, 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.

If you need to file an Affordable 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 Bankruptcy Attorney Jennifer Eversole Schlyer & Associates - Aggressive Trial Lawyers - 200 West 80th Place, Merrillville

I am a bankruptcy lawyer 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.

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

Do you regularly eat at Togo's?

If so, their pastrami meat is recalled Schlyer & Associates, the Northwest Indiana bankruptcy law firm is warning.

The supplier of Togo's pastrami meat has found Listeria Monocytogenes in one Lot of the meat and has recalled the meat.  Togo's is very popular in California, however currently there are no stores in Northwest Indiana or in the Greater Chicago area in Illinois.

Schlyer & Associates can help you file an Affordable Bankruptcy

Your Affordable Bankruptcy is only a phone call away if you live in the Northwest Indiana communities of Hammond, East Chicago, Gary, Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Merrillville, Hobart, Whiting, New Chicago, Lake Station, Crown Point, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Town of Pines, Portage, Wheeler, Dune Acres, Kouts, Odgen Dunes, Chesterton, South Haven, Porter or Beverly Shores.  Call us today to schedule a free meeting with a bankruptcy lawyer to discuss filing a Chapter 7 or a Chapter 13 bankruptcy.

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, near the intersection of Broadway and U.S. 30.  You can also visit our website at www.schlyerlaw.com.

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

Posted by Schlyer & Associates - Aggressive Trial Lawyers

Oberweis Dairy, Inc. is recalling the quart size of its popular Brownie Fudge Twirl Ice Cream because it may contain eggs, which is not disclosed on the label the Merrillville, Indiana personal injury & bankruptcy law firm of Schlyer & Associates is warning.  Oberweis Dairy is located in North Aurora, Illinois and provides is milk, ice cream and other products to local Indiana and Illinois grocery stores.

According to Oberweis, Brownie Fudge Twirl Ice Cream quarts were distributed almost exclusively through the company's retail stores and through its home delivery service with extremely limited distribution through 7 grocery locations in Illinois and Wisconsin. The product is in black quart containers with a gold rim on the lid displaying the flavor "Brownie Fudge Twirl."

No other Oberweis products are affected by this recall.

If you have any of the recalled ice cream in your home, the company asks you to return it to the store where purchased for a full refund or replacement.  If you have any questions, please contact Obrweis at 866-623-7934.

What should you do if you have a personal injury case or need to file bankruptcy?

Call Schlyer & Associates. If you are ever injured or need to file bankruptcy, please think of Schlyer & Associates first.  The attorneys at Schlyer & Associates have experience in many types of injury and product 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 case and need representation, 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.  We can also help you file Chapter 7 or Chapter 13  bankruptcy if you live in Lake County or Porter County, Indiana only.  We are a Debt Relief Agency.  We can help you file an Affordable Bankruptcy.

Your Affordable Bankruptcy is only a phone call away if you live in the Northwest Indiana communities of Hammond, East Chicago, Gary, Munster, Whiting, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Merrillville, Hobart, New Chicago, Lake Station, Crown Point, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Town of Pines, Portage, Porter, Wheeler, Dune Acres, Kouts, Odgen Dunes, Chesterton, 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, near the intersection of Broadway and U.S. 30.  You can also visit our website at www.schlyerlaw.com.

Call us today at (219) 757-0225 to schedule your free consultation.  Remember, no personal injury fee unless successful.

Posted by Schlyer & Associates - Aggressive Trial Lawyers

What Bankruptcy Can and Cannot Do For You.

I am an attorney at Schlyer & Associates in Merrillville Indiana and help people file for bankruptcy relief in Lake County and Porter County, Indiana.  We are a debt relief agency.  There are some very real benefits to filing for Bankruptcy relief under Chapter 7 or Chapter 13 of the bankruptcy code.

However, there are also drawbacks to filing bankruptcy.  Let’s talk about bankruptcy like it was a Clint Eastwood movie:   the good, the bad and the ugly.

The Good. Bankruptcy can eliminate most debts and make it so that you do not have to pay them.  Some debt you just cannot get rid of, mostly debts owed to the government and debts relating to family law.  However, in a Chapter 7 bankruptcy, most debt is discharged, such as medical bills, credit cards and pay day loans.  In a Chapter 13, debt is paid through a repayment plan proposed by you and debt not paid in full is discharged at the end.  Bankruptcy will stop all creditor harassment, telephone calls, collection, lawsuits, garnishments, foreclosures and other actions by creditors.  In some instances in a Chapter 13 bankruptcy, interest rate on car loans can be lowered, allowing you to pay back less than what is owed on your vehicle.  Bankruptcy can help eliminate stress over past due or old debts.

The Bad. Bankruptcy is not something most people enter into lightly.  It is very emotional for some, stressful and embarrassing for others.  Some people feel like is a failure to have to file for bankruptcy relief.  Some people feel guilty for not paying their debts.  Bankruptcy is damaging to your credit.  Do not let anybody tell you different.  Bankruptcy stays on your credit report for up to seven years.  Bankruptcy does not wipe out the debt listed on your credit reports.  Bankruptcy can cause you to have to pay a higher interest rate for loans long after your bankruptcy is over.  A collection or lawsuit on your credit will cause these same “bad” things as well.

The Ugly? Well, we are not scary here at Schlyer & Associates, located in Northwest Indiana, so I am not sure where the ugly fits in to this blog, except it relates to the good and the bad.

The lawyers at Schlyer & Associates can help you 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.

We can help you file Chapter 7 or Chapter 13 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.

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 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 Bankruptcy Attorney Jennifer Eversole

The Lake County, Indiana law firm, Schlyer & Associates warns of contaminated cantaloupes.

Due to the possibility of being contaminated with salmonella, Fresh Del Monte Produce said on Tuesday it was recalling nearly 5,000 cartons of cantaloupes.

According to the company, the cantaloupes were distributed through warehouse clubs in Alaska, California, Colorado, Idaho, Montana, Oregon, and Washington.

Schlyer & Associates, the Aggressive Trial Lawyers, 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.

We can help you file Chapter 7 or Chapter 13 bankruptcy if you live in 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.

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.

Our main office is located at 200 West 80th Place, Merrillville, Indiana   46410.

If you need to file bankruptcy or if you were injured, please call us to schedule a meeting with one of our lawyers.

Posted by Schlyer & Associates - Aggressive Trial Lawyers

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.

Northwest Indiana Bankruptcy Attorney Discusses Basics for Filing an Affordable Bankruptcy

I am a bankruptcy attorney at Schlyer & Associates, a law firm in Merrillville, Indiana.   We help people file bankruptcy in Lake County and Porter County, Indiana.

I was thinking about what it would be like to be a non-lawyer.  Don’t get me wrong, I love my job and I love helping people file for bankruptcy.  I love having the immediate satisfaction of stopping creditor harassment and collection phone calls. I love stopping wage garnishments and halting foreclosure actions.

I believe sometimes, us so called “professionals” need to take a step back and walk a mile in the other shoe. I know a lot about bankruptcy and sometimes I forget that my client, while nervous, scared or even embarrassed, knows very little about the process of filing for bankruptcy.  It made me think, everyone should have some basic knowledge about bankruptcy and through a series of blogs, I want to share what I know.

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 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 bankruptcy.

Please call our office today at (219) 757-0225 to schedule a free consultation with a affordable bankruptcy attorney.

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.

Next: Those crummy creditors!

Posted by Attorney Jennifer Eversole

Schlyer & Associates Attends The Crossroads Regional Chamber of Commerce Open House at Fieldhouse

A lawyer with the Merrillville law firm of Schlyer & Associates, the Aggressive Trial Lawyers, attended an Open House hosted by The Fieldhouse.  The Fieldhouse welcomed members of the Crossroads Regional Chamber of Commerce to visit and tour their facility located at 899 East 99th Court,  Merrillville, Indiana this past week.

Schlyer & Associates is very active and supports the various local chambers of commerce.  The attorneys at Schlyer & Associates are members of the Schererville Chamber of Commerce, the Hobart Chamber of Commerce, the Winfield Chamber of Commerce and the Crossroads Regional Chamber of Commerce.

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.

Posted by Attorney David Novak

Schlyer & Associates Attends Hobart Chamber of Commerce Mardi Gras Gala

The Hobart Indiana Chamber of Commerce hosted its Mardi Gras Gala on Saturday March 5, 2011 at the Hilton Garden Inn, located in Merrillville, Indiana.

Over 100 business and community leaders from throughout Northwest Indiana attended the fundraising event to benefit the Hobart Chamber of Commerce Scholarship Fund.

Four members of the law firm Schlyer & Associates, a personal injury and bankruptcy law firm located in Merrillville, Indiana, attended the Gala to support the scholarship fundraising effort.

The silent auction portion of the Gala raised $1,500 towards the Hobart Chamber of Commerce's Scholarship Fund.

Sharon Burch, Office Manager from the law firm of Schlyer & Associates is a member of the Hobart Chamber of Commerce Board of Directors.  Sharon served on the Silent Auction Committee at this year's event.

The attorneys at Schlyer & Associates represent people injured in car crashes, slip and falls, medical malpractice, workers compensation, product liability and other injury cases.  The lawyers also handle Chapter 7 and Chapter 13 personal bankruptcies.

If you or a loved one is injured or needs to file bankruptcy, please feel free to contact us and schedule a free consultation with an attorney, by dialing (219) 757-0225.

We are 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.

Is it time for me to file bankruptcy?

At Schlyer & Associates, a law firm in Merrillville, ndiana, 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.

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

We file Chapter 7 & Chapter 13 bankruptcies for people who live in Lake County and Porter County, Indiana.  We are located at 200 West 80th Place, Merrillville, Indiana   46410.  Our office is across the street from Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Let us help you feel financially healthy again!