Legal Services in Valparaiso and Northwest Indiana
Richard P. Busse, Attorney at Law offers legal representation for bankruptcy, businesses, family law, estate planning and foreclosure defense.
If you are facing difficulty meeting your personal obligations, filing for protection under Chapter 7 or Chapter 13 of the federal bankruptcy laws may be all you need to get a fresh start. A personal bankruptcy petition will immediately put a stop to threatening calls, letters or other actions. You want an attorney who can carefully examine your situation to determine whether bankruptcy is the right solution for you. At the office of Richard P. Busse, Attorney at Law, in Valparaiso, I work with clients throughout Northwest Indiana who are considering filing for bankruptcy. I don't run a bankruptcy mill. I take the time to learn as much as I can about your situation so that I can give you an honest assessment of whether bankruptcy is in your best interests. I emphasize personal service and attention, working directly with you throughout the process, from the initial filing to the final disposition of your bankruptcy.
My Personal Bankruptcy Practice
When you contact me to discuss your options under the bankruptcy laws, I will first determine whether bankruptcy is the best solution for you. A bankruptcy filing can limit your options for a period of time, so you want to be certain that you considered all your options before filing. If we decide that you should move forward with a bankruptcy petition, I will first conduct a means test to determine whether you qualify to discharge certain debts under Chapter 7 or whether you must reorganize or restructure your debt under Chapter 13. If you qualify to permanently eliminate debt under Chapter 7, I will make certain before you file that you understand which debts can be discharged (obligations such as student loan payments, child support arrearages and some tax obligations cannot be wiped out in bankruptcy). I will also ensure that all exempt assets, such as principal residence or vehicle, are excluded from the bankruptcy sale. If you fail to qualify under Chapter 7 or you prefer to repay your creditors, I will handle all the necessary matters to help you reorganize your debt under Chapter 13. I will prepare and file all documents with the bankruptcy court and will represent you in hearings or meetings with creditors, the bankruptcy trustee or the bankruptcy court. I will help you prepare a plan of reorganization and will review any proposed repayment plans from creditors to make certain they are within your means. If you make agreements in bankruptcy, but fail to live up to them, you can lose the protection of the automatic stay, which prevents creditors from contacting you to collect the debt.
To set up a confidential meeting, contact my office. I provide efficient legal counsel at reasonable rates. We are a debt relief agency. We help people file for Bankruptcy Relief under the Bankruptcy Code.
Chapter 7 Bankruptcy
Filing for bankruptcy can enable you to obtain relief from debts, bill collectors and the threat of foreclosure and garnishment. It can allow you to get a fresh financial start and the chance to build a better future for yourself and your family. At my firm, Richard P. Busse, Attorney at Law, I help people in northwest Indiana obtain as much debt relief as possible, while allowing them to keep as much of their property as I can. I charge affordable fees and offer comprehensive, results-oriented representation.Contact me for a free and confidential consultation about your case.
I will review your situation and explain what I can do for you. If you qualify for a Chapter 7 bankruptcy and choose my firm to represent you, I can stop creditor harassment immediately. When I file Chapter 7 for you, the threat of repossession and garnishment will stop. I will then create a personalized plan designed to obtain as much debt relief as possible. This will include the complete elimination of your credit card debts, medical bills and personal loans. I will also take full advantage of the property exemptions to allow you to keep most or all of your property. If you do not qualify for Chapter 7, I may still be able to help you obtain debt relief through Chapter 13 bankruptcy.
As your lawyer, I will handle all aspects of your case. Your most important responsibility will be to attend a brief hearing before the bankruptcy trustee and answer a few questions. I will accompany you to that hearing, seeking the complete discharge of as many of your unsecured debts as possible.
Chapter 13 Bankruptcy
Many heard-working people in northwest Indiana have gotten into financial trouble through no fault of their own. Fortunately, help is available through the bankruptcy system. My name is Richard P. Busse, an attorney who helps people obtain debt relief and a fresh financial start. I do not run a bankruptcy mill or make debt relief promises I cannot keep. I take the time to create a personalized program for every client designed to obtain as much debt relief as possible.
Debt Relief Through Chapter 13 Bankruptcy
I will carefully review your situation and explain what I can and cannot do for you. People who meet a certain means test are eligible for Chapter 13 bankruptcy. With Chapter 13, you may be able to get a significant reduction in your unsecured debts, such as credit card debts and medical bills, and a three to five year payment plan for your remaining unsecured and secured debts. In the vast majority of cases, people filing Chapter 13 are able to keep most or all of their property, including their home, vehicles, retirement accounts and other assets. If you do not qualify for Chapter 13, Chapter 7 bankruptcy may allow you to obtain complete elimination of your unsecured debts.
My firm will handle all aspects of your bankruptcy case for a reasonable and affordable fee. I will seek to obtain maximum debt relief for you, while allowing you to keep as much property as possible. I will contact your creditors, represent you in all hearings before the bankruptcy trustee, and do everything I can to obtain the best possible outcome for you.
Credit Card and Medical Bill Debt
At my firm, Richard P. Busse, Attorney at Law, I am dedicated to helping people reduce their debts and get a fresh financial start through the bankruptcy system. If you have unsustainable levels of debt, I will take full advantage of provisions in bankruptcy law that can enable you to reduce or completely eliminate credit card debts and medical bills. The resulting extra cash flow can make it much easier to cover your living expenses and payments on any remaining debts you may have. You will be able to face the future with hope once again. Contact me to schedule a consultation about your case. It could be the first step toward a brighter financial future for you and your family.
Your Debt Relief Options
In a free consultation, I can review your case and discuss your debt relief and loan discharge options.
Chapter 7 bankruptcy — Completely discharges credit card debts, medical bills and personal loans. Chapter 13 bankruptcy — Can significantly reduce credit card debts, medical bills and personal loans.
In some cases, complete discharge of some or all of your credit card debts may be possible. If you choose Richard P. Busse, Attorney at Law to represent you, my firm will create a customized plan designed to obtain maximum reduction in your debts while allowing you to keep as much property as possible.
"Intentionally running up credit card debts before filing for bankruptcy can be considered fraud. Talk with me if you have any questions. I can explain your rights and responsibilities regarding your debts." — Richard P. Busse
I have helped many people in northwest Indiana get debt relief through bankruptcy filings. I take every opportunity to reduce my clients' debts to the greatest degree possible and will work hard to help you obtain maximum debt relief.
Stop Garnishment and Repossession
Are you behind on your car or credit card payments? Have you received a notice of garnishment or repossession? If so, you should seek legal advice as soon as possible. I am Richard P. Busse, an experienced bankruptcy attorney who helps people avoid garnishment, keep their vehicles and obtain debt relief through the bankruptcy system. You have legal options, and I will use my abilities to help you get relief from your debt burden. Contact me to schedule a free, confidential consultation about your case.
After getting a judgment against you, a creditor can take up to 25 percent of your income, after income and Social Security taxes. Under Indiana law, you can agree to a voluntary wage assignment, but neither a garnishment nor wage assignment may be necessary. As your lawyer, I can stop wage garnishment and repossession actions through a Chapter 7 or Chapter 13 bankruptcy. I can also help you eliminate or significantly reduce your unsecured debts, such as credit card debts, medical bills and personal loans.
By filing for Chapter 7 or Chapter 13, repossession actions stop immediately. Provided that you can keep up your payments, you will be able to keep your car or truck. The debt relief and extra cash flow you have after filing for bankruptcy can make it much easier for you to cover those payments. Your bank may insist on a reaffirmation agreement, though, and I can handle all aspects of that matter as well. My goal in your case will be to help you obtain maximum debt relief while allowing you to keep as much of your property as possible. Call for legal help today.
Other Debt Relief issues
The bankruptcy laws are powerful instruments that can significantly reduce or entirely eliminate many types of debts. At my firm, Richard P. Busse, Attorney at Law, I take full advantage of these laws to obtain maximum debt relief for my clients. In your case, I will develop a customized plan designed to help you obtain as much debt relief as possible, while enabling you to keep most or all of your property. Some issues regarding debt relief and bankruptcy are discussed below. You probably have questions about your case. In a free consultation, I can answer these and explain what I can do to help you get debt relief and a fresh financial start. Contact me to schedule a free consultation about your case.
Creditor Harassment As soon as you choose my firm to represent you, harassment by creditors, bill collectors and collection agents stop. When they call, simply tell them that I am now representing you and refer them to my office. I will handle all dealings with your creditors from that point on.
Liens, Lawsuits and Collection Actions After filing your bankruptcy petition, lawsuits and collection actions stop, as do repossessions. If your car or truck has been repossessed and has not yet been sold, I may be able to get it back. My firm can work with the lender to obtain a new affirmation agreement for you.
Non-Dischargeable Debts Some debts are not usually dischargeable through bankruptcy. These include obligations such as student loan debts, child support, spousal support and some taxes. However, filing for bankruptcy can reduce or eliminate other debts such as credit card debts and medical bills, providing you with additional cash flow that can make it much easier to cover the payments on your remaining debts. If circumstances warrant, I can go to court seeking a reduction in the child support or spousal support you are required to pay.
Stop Paying Late Fees, Penalties and Interest Some people make the mistake of waiting too long before seeking help from a bankruptcy lawyer in the hope that their financial situation may somehow improve. The longer you wait, the more late fees, penalties and interest charges will accumulate. I can help stop those from building up and help you get debt relief. Call me today!
If you own or operate a business, or you are considering establishing a commercial enterprise, you want an experienced attorney to protect your interests. You want a lawyer who knows how businesses operate, who understands the day-to-day concerns, and will help you focus on resolutions that protect your bottom line. At the office of Richard P. Busse, Attorney at Law, in Valparaiso, I represent businesses and business owners throughout Northwest Indiana, handling a wide range of issues, from business formation to business litigation, from contract disputes to the purchase of real or business property. As a small business owner of more than 35 years, I understand the issues that businesses face every day. I emphasize personal service and attention, working directly with you throughout the resolution of your legal matter.
My Business Law Practice
I work extensively with small businesses and business owners, from restaurants and trucking companies to contractors and other small businesses, handling a broad range of legal issues, including:
Business formation - If you are considering establishing a new business, I can help you understand the tax and liability implications of the different legal forms, from sole proprietorships and partnerships, to limited liability companies (LLCs) and corporations. I will prepare and file all documents required to establish your business in compliance with Indiana business laws, including articles of incorporation or organization, by-laws and corporate resolutions.
Business transactions - I will help you negotiate the terms of a business transaction, from the sale or purchase of real estate or business assets to distribution, sales, supplier or vendor agreements, and employment matters.
Business litigation - When you become involved in disputes, including breach of contract actions or ownership disagreements, I can provide the litigation support necessary to resolve your problems and protect the good name and good will of your business. I also handle contractor and subcontractor disputes arising during the construction of private residences.
Employment issues for businesses - I advise businesses and business owners on a wide range of issues related to employees and employment.
A family law problem causes great disruptions in your life. Until it is resolved, your future is uncertain, and you cannot move forward. I am Richard P. Busse, an attorney who helps people resolve family law problems in the most positive manner possible. Much of my family law practice involves guiding people through the divorce process and resolving related problems. Whatever your family law matter, I will work to achieve a solution as quickly and efficiently as possible.
At my firm, I represent people in matters involving:
Divorce — uncontested and contested
Child custody and visitation
Spousal support (alimony)
Divorce and bankruptcy
Modifications in custody, visitation and support
Other family law matters
Achieving the Divorce Solution That Is Right for You
Your family situation is unique, and you deserve a solution that accounts for your particular circumstances. As your lawyer, I will work closely with you to understand your situation, your family and your goals. Then I will craft a strategy designed to achieve an outcome that enables you to make a successful transition to life after divorce. Usually, this means negotiating a marital agreement regarding child custody, visitation, property division and other matters. If necessary, I will litigate assertively to protect your rights and achieve your goals. Whatever your family law problem, I am dedicated to helping you achieve a solution in an efficient and affordable manner.
When you need to create a plan for the division of your property or the guardianship of your minor children in the event of your death, you want an attorney who will take the time to help you understand the different tools available to help you meet your goals. You also want a lawyer who understands that your situation is unique and who will work with you to tailor an estate plan that accomplishes your individual objectives. At the office of Richard P. Busse, Attorney at Law, in Valparaiso, I work closely with individuals and families throughout Northwest Indiana who want to establish and implement clear and effective plans for the distribution of assets and the protection of minor children, in the event of death. I place a high priority on personal service and attention, making certain that you work directly with me throughout the development of your estate plan. As a small business owner of more than 35 years, I understand the importance to protecting the legacy you worked so hard to build.
My Trusts and Estates Practice
I advise individuals and families who are involved at all stages of estate planning, whether you have just recognized that you need to establish and implement a plan or you believe revisions may be necessary or appropriate to an existing plan.
When you hire me to handle your estate planning, I will start by gathering as much information as I can about your estate planning goals, as well as your current financial situation. Once I understand your objectives, I will carefully explain the different strategies to you, including the use of wills and trusts, the re-titling of property, and the use of lifetime gifts. Once you have determined which approach is in your best interests, I will prepare and review all documents necessary to put your plan in place, including:
Simple wills - I will help you prepare and execute the necessary document to identify the disposition of your real and personal property, as well as investments.
Trusts - I can help you set up a trust so that you can avoid the time and expense of having your estate go through the probate process. I can prepare living or testamentary trusts, revocable or irrevocable trusts, and special needs trusts.
Powers of attorney - I can help you implement the necessary measures to designate someone to act on your behalf in the event or your inability to do so. I can prepare a general or limited power of attorney.
Living wills or advance medical directives - I can help you identify a person to make medical decisions on your behalf or put directives in place that specify whether certain procedures will be used to keep you alive.
I also advise individuals on strategies to protect assets (in the event of long-term care costs), as well as business succession planning.
The thought of losing your home or property can be frightening. However, you do have options. It may be possible to stay in your home and to reduce the money you owe on your mortgage. I am Richard P. Busse, an experienced lawyer in Valparaiso. I help clients avoid foreclosure and get the debt relief they need in northwest Indiana. Contact me to learn more about your debt relief options in a free, confidential consultation.
Before you are foreclosed on, there is still time to avoid foreclosure and get relief from your mortgage debt.
I can help you weigh your options such as:
Loan modification: Bankruptcy is not the only solution for keeping your home. I help clients negotiate with their lenders to reduce their monthly payments and other aspects of their mortgage. Chapter 13 bankruptcy: Filing for bankruptcy places an automatic stay on your mortgage. This means that you can get the relief you need while you get your finances in order. Then, through Chapter 13, you can create a payment plan to get your life back on track.
Short sale: In a short sale, you sell your home at a reduced price in order to pay your loan. I can guide you through the process of obtaining approval for a short sale so you can get relief from your mortgage debt and a fresh start.
Mediation is mandatory in foreclosure. This means that before you lose your house, you will have the opportunity to work with your lender to reach an agreement. I can represent you in foreclosure mediation and make sure your rights and interests are protected throughout the process.
Challenging the Validity of Your Mortgage
If the company trying to collect on your mortgage does not own the note or have the proper paperwork, it may be possible to avoid foreclosure. Before the real estate bubble burst, banks sold and resold mortgages at an alarming rank. They bundled groups of mortgages together and sold them off to investors and mortgage servicing companies. In the process, paperwork was lost, not completed or improperly filed. Without the proper paperwork, such as the original note, the company may not have standing to foreclose on your home.