Bankruptcy

Stop harassing calls!
Stop wage garnishments!
Stop foreclosure!

CHAPTER 7 BANKRUPTCY

Chapter 7 bankruptcy relief via discharge is available once every eight years. The Chapter 7 entitles you to receive a discharge (wipe out the debts) of all dischargeable debts, such as charge cards, medical bills, unsecured bank loans, car loans, deficiency balances after sale of collateral on secured debts are some of the more common examples of debts that can be wiped out by a Chapter 7 filing.

There are a few type debts that commonly will not discharge in a Chapter 7- such as –child support, maintenance (alimony), recent tax debts, federally backed government student loans are examples of debts that do not discharge in a Chapter 7 bankruptcy.

An attorney will meet with you to evaluate your case and answer any questions you may have. Feel free to complete the client questionnaire to the best of your ability and bring it to your appointment.

CHAPTER 7 FEES

We file most Chapter 7 cases for a flat fee, which includes the attorney fee, court costs, credit counseling, and credit reports.

CHAPTER 13 BANKRUPTCY

A Chapter 13 Bankruptcy is a reorganization Bankruptcy that allows individuals to propose a Chapter 13 plan to allow repayment individuals debts (either in full or partial ) over a plan period of up to sixty months. While the Chapter 13 plan involves more expense than a Chapter 7 Bankruptcy and requires monthly plan payments to the Bankruptcy Trustee usually by wage assignment, there are often valid reasons why a individual may select a Chapter 13 Bankruptcy. Some of those potential reasons include:

1. To stop a home foreclosure.
2. The individuals might only qualify for a Chapter 13 – due to a recent Chapter 7 or if the individuals have disposal income after meeting their monthly living expenses.

CHAPTER 13 FEES

Most Chapter 13 cases can be filed for as little as $500.