Bankruptcy Counseling

Find a Local Bankruptcy Attorney

A local bankruptcy attorney can help you understand the differences between Chapter 7 bankruptcy and Chapter 13 bankruptcy, so that you may make an informed decision about the next steps you want to take. Click the box below and fill out the form for a free bankruptcy case evaluation by a bankruptcy attorney.

Not sure whether bankruptcy is the right option for you? A local bankruptcy attorney can answer your questions and explain the bankruptcy process to you.

Chapter 7 Bankruptcy

There are two types of personal bankruptcy. Each is intended to help consumers in financial crisis, but the solutions offered are very different.

Chapter 7 bankruptcy, or liquidation, is more common. Chapter 7 bankruptcy may eliminate a lot of unsecured debt (credit cards, medical bills, old utility bills, unsecured personal loans, etc.), and can generally be completed within just a few months. In a Chapter 7 bankruptcy case, the trustee can liquidate (sell) non-exempt assets to pay creditors, but most people who file for Chapter 7 bankruptcy don’t have any non-exempt assets, and so are able to keep their property while eliminating unsecured debts. Talk to a local bankruptcy attorney about your state’s exemptions and how they may apply to you

Chapter 13 Bankruptcy

Chapter 13 bankruptcy usually offers the broadest, mainly sweeping protections for you as well as your property. Chapter 13 bankruptcy is often the choice for people who have a lot of secured debt, such as car loans and mortgages, and want to keep the property that serves as security for the loans. In a Chapter 13 case, the debtor enters into a repayment plan that allows 3-5 years to catch up on past due payments.

Filing Bankruptcy

If you’re considering filing bankruptcy, a bankruptcy attorney may help you:

• Determine if Bankruptcy is for you.
• Arrange a budget.
• Search out and implement ways of dealing through creditors.
• Draft out a bankruptcy plan, and fill out the forms.
• Draft and file necessary forms

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