Bankruptcy

The Law Offices of Joy P. Robinson, P.C.  is a federally designated debt relief agency pursuant to Title 11 of the United States Code. We proudly help people to file for relief under the Bankruptcy Code.

Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Under Chapter 7, a trustee takes possession of all your non-exempt property, which is then liquidated to pay your creditors according to priorities established by the Bankruptcy Code. Those debts that cannot be paid from your liquidated assets are discharged.

Chapter 13 is designed for individuals with regular income who are temporarily unable to pay their debts but would like to pay them in installments over a period of time. Under Chapter 13, you must file a plan with the court to repay your creditors all or part of the money that you owe, using your future earnings. Usually, the period allowed by the court to repay your debts is three years, but no more than five years. Unlike Chapter 7, you may keep all your property, both exempt and not-exempt, as long as you continue to make payments under the plan.

Real Estate

• Closings
• Modifications
• Short Sales
• Deed in Lieu

We negotiate with mortgage servicers and lenders on behalf of borrowers, to find solutions to saving their home. These strategies include but are not limited to rate and term modifications, forebearance, short sale and deed in lieu of foreclosure. We work tirelessly and diligently to convince and prove to the lender why it is in their best interest to do a workout and not to foreclose.

Business Law

We offer a full suite of business services including but not limited to the following:

• Business Entity Formation and Organization 
• Business Divestiture
• Business Purchase/Sale
• Transactional Business Law
• Business Planning
• Document Drafting and Review

Estate Planning
We provide Analysis and Counsel on estate planning matters, asset protection and the drafting and review of estate planning related documents.

Immigration Law

Immigration is the legal procedure that allows you to obtain Permanent Resident or Citizenship status in the United States. We understand the significance and the impact of migrating to the United States whether to work, study or reside permanently. We also understand how important it is to get the immigration process right from the inception.