Bankruptcy Law

Marble Surface

Bankruptcy Law - Chapter 7

A Chapter 7 bankruptcy is a complete liquidation of non-exempt assets to pay off creditors. This type of bankruptcy is called a "fresh start" because it wipes out all the debt that is permitted by the Bankruptcy Code. In most cases, back taxes and student loans are the type of debts that will not be eliminated through any bankruptcy filing.

A Chapter 7 bankruptcy does not involve the filing of a plan of repayment as in chapter 13. The Bankruptcy Code allows the debtor to keep certain "exempt" property - which may include your car or personal property if it fits the guidelines of the bankruptcy code; but a trustee will liquidate the debtor's remaining assets to pay the creditors. Accordingly, debtors should realize that the filing of a chapter 7 can and will likely result in the loss of property, so long as it is not an "exempt" property.

The process can be very intimidating and challenging to maneuver without the assistance of counsel.  It is recommended that you file with an experienced attorney to help you throughout the process.

Marble Surface

Debt Collection and Garnishment Defense

When facing debt collectors and garnishment actions against your bank account or paycheck, it is very important to protect yourself as quickly as possible to minimize the damages to your life.  Bankruptcy is one way to defend against debt collection actions against you and your family.  

Stop the lawsuits, harassing phone calls, and garnishment of your wages.  Contact our office to determine if bankruptcy is the right fit for you.

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We provide free consultations to discuss your case and to see if you qualify to file!