Espy, Metcalf & Espy, P.C.

Law Firm Overview

Life will always offer the unexpected, and no amount of planning can guard against every possibility. Debt issues can arise from any number of unforeseen problems, from floods and car accidents to divorce and job loss. Exciting and promising purchases can cause an avalanche of problems if financing was poorly explained, or if a property or item was defective or poorly built. And the Social Security benefits you have paid for your entire life are of no help in a time of need if your claim for benefits is denied.

Bankruptcy Law, Consumer Protection, and Social Security Disability Benefits. We Can Help When Your Need Is Greatest.

At the law firm of Espy, Metcalf & Espy P.C. we focus our business exclusively on legal areas that offer people help when life becomes unmanageable. Debt problems can cause almost constant anxiety to people with high debt levels. Victims of fraud and unfair wage garnishment can unjustly lose large amounts of money, often to the point of financial crisis or insolvency. And Social Security should help people who can't work or work as much as they once could; it should not cause additional problems at a difficult time.

We have investigated, researched, and offered remedies to these problems and more for over 46 combined years, and know what to do to minimize your problems and maximize available solutions. The law offers many protections, including effective bankruptcy protection that is still almost completely intact even after the 2005 bankruptcy law revisions. Protections include:

• Chapters 7, 11,12 and 13 under bankruptcy law
• Home Ownership and Equity Protection Act ("HOEPA")
• Fair Debt Collection Practice Act ("FDCPA")
• Truth in Lending laws ("TILA")
• Real Estate Settlement Procedures Act ("RESPA")
• Fair Credit Reporting Act ("FCRA")

The law does not leave you stranded. If you have a problem, ranging from payday loan and check-cashing problems to abusive mortgage tactics, bankruptcy laws and others can provide justice and relief.

Areas of Practice

• Bankruptcy Law
• Consumer Protection
• Debtor/Creditor
• Collections
• Elder Law
• Health & Health Care Law
• Social Security -- Disability
• Probate & Estate Administration
• Tax Increment Financing
• Taxation Law

West Practice Categories

Bankruptcy Law, Consumer Protection, Debtor/Creditor, Collections, Elder Law, Health & Health Care Law, Social Security -- Disability, Probate & Estate Administration, Tax Increment Financing, Taxation Law