We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The information contained in this website is for informational purposes only and is not legal advice or a substitute for legal counsel. Readers of this website should not act upon this information without seeking the professional advice of an attorney. Online readers should contact an experienced attorney for legal advice specific to their circumstances and should not rely on the information above to guide any of their legal decisions. This information is not intended to create, and receipt of it does not constitute, and attorney-client relationship. Therefore, readers of this website may not submit confidential information by email or otherwise until they have spoken with an attorney in person and are then permitted to do so.
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Chapter 7
Chapter 7 bankruptcy, also referred to as ¿straight¿ bankruptcy, is the most commonly used form of bankruptcy filing. The debtor turns over all non-exempt property to the bankruptcy trustee, who in turn, converts it to cash to distribute to your creditors. In a chapter 7 bankruptcy filing, we are often able to protect if not all, the majority of your assets. Meaning you are able to keep your home, vehicles, household goods, etc. This form of bankruptcy allows you to discharge certain debts such as credit cards, medical bills, personal loans, Etc. to give you a ¿fresh start¿. There are certain debts that are considered ¿non-dischargeable¿ and you will need to speak with a bankruptcy attorney to determine what you can and can not include. If you would like to discuss the possibility of filing a chapter 7 bankruptcy, or you just have questions, our attorneys are available to speak to you. Call now, or fill out our bankruptcy evaluation form and we will contact you at that time that you request.
Chapter 13
Chapter 13 bankruptcy is a reorganization of your finances under the supervision of the courts. It is filed by individuals who want to pay off their debt, have disposable income to pay a percentage back to their creditors, or who¿s annual income is greater than their state¿s median income. This will all be determined when the Mean test has been completed. The debtor would then pay the trustee each month for approximately 3-5 years before the debts are discharged. Your bankruptcy attorney will sit down with you and go over you finances to determine what your chapter 13 plan will be, and will then submit it to the courts for approval. To determine if chapter 13 bankruptcy is the right option for you, call us today, or feel free to fill out our bankruptcy evaluation form and we will contact you at the time you request. Are attorneys are here to answer your questions, and find the option that is right for you.