Bankruptcy

Bankruptcy

Few things are more distressing than the prospect of bankruptcy. Often, people find themselves drowning in debt as a result of an already tragic circumstance — a serious illness, a divorce, failure of a business venture, or another unforeseen emergency. At Wozniak & Associates, we want to help you get back on track.
Attorney Jay Ping can help you evaluate your difficult financial circumstances. Bankruptcy is a federal court proceeding with complex rules and many pitfalls. Jay understands the differences in the various chapters available under the bankruptcy code, and how you can best use them to get a fresh start. As your attorney, he will be personally involved in every aspect of your case, including:
  • Chapter 7 liquidation proceedings
  • Chapter 13 structured repayment plans
  • Chapter 11 business reorganizations
  • Reaffirmation and retention of your hard-earned assets
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We can also assist clients who may be owed money by a debtor in bankruptcy. 

James R. “Jay” Ping is the primary bankruptcy attorney at Wozniak & Associates. Prior to entering private practice, Jay served as staff attorney for the Chapter 13 Standing Trustee for the Central District of Illinois, where he was involved in hundreds of bankruptcy cases in a district that included Champaign-Urbana, Danville, Kankakee, Charleston-Mattoon, and all points in between. As a private attorney, he has represented clients in cases in the Central and Southern Districts of Illinois, and the Southern District of Indiana. He has helped debtors obtain many millions of dollars in debt relief.

It is imperative that you, as a debtor, understand your rights under the bankruptcy code. It might make a difference in whether you get to keep your car, your house, your tax refund or your bank account. Our lawyers will carefully explain all of the options available to you and provide understandable advice about how to proceed. We always seek to resolve questions and potential complications in your case before they require a hearing in federal bankruptcy court, but rest assured that if a hearing is required, we will provide you with experienced representation.

If debt is leading you or your family to despair, give us a call. Our firm has offices in Urbana and Mattoon to better serve you. THIS OFFICE IS A DEBT RELIEF AGENCY, WE HELP PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE. 
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