We welcome the opportunity to discuss the following services with you and help you determine what is best for your individual circumstances.
Chapter 7 Bankruptcy
Clients who qualify may eliminate part or all of their debt in a Chapter 7 bankruptcy. Some debt such as child support is nondischargeable. Other debts such as taxes may be dischargeable, in whole or in part. You will have to elect to discharge a secured debt and surrender the collateral, or reaffirm the secured debt and keep the collateral. Most lenders require secured debts to be current in payments before the lender will enter into a reaffirmation agreement with you.
Chapter 13 Bankruptcy
Clients who want to pay part or all of their debt may want to file a Chapter 13 bankruptcy. This type of bankruptcy is helpful for clients who are behind on payments for real property like a house or nondischargeable debt, such as child support and some taxes, over a period of time, which can be up to five years. You must have a regular source of income to qualify for a Chapter 13 bankruptcy. If, after filing a Chapter 13 bankruptcy, your financial situation changes, you may be able to modify your plan, convert to a Chapter 7 bankruptcy, or dismiss your case.
Other Legal Areas
We can also help you with uncontested divorces, Social Security disability, personal injury, wills, and power of attorney.