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Consumer Bankruptcy

Are your debts bringing stress on your health, your job or your marriage?

If you’ve reached the point where you are having to choose between paying your debts and buying food or medicine, maybe you need to talk to us.  Bankruptcy is never anyone’s first choice, but it is often the only choice.  Not talking to us about your situation is NOT the answer.  We want to help you understand your rights, and if necessary, the bankruptcy process. At each step, we’ll be there to explain anything you don’t understand. When your hard work is simply not enough to get you through hard

Understanding Bankruptcy in Barnwell

While it is always the last resort, declaring bankruptcy very often results in your having a renewed peace of mind.  From the day your bankruptcy case is filed, your creditors get a court order that forbids them from contacting you – by phone, mail, or by knocking on your door.  They can’t sue you.  They can’t repossess your car, your boat or your belongings.  They can’t take your home.  You get a chance to collect yourself and start over.  The United States Bankruptcy Code even gives consumers the option of how to go through bankruptcy, based in large part on what is best for them – not their creditors.   Once you know what chapter to file for, we’ll explain how your property will be affected.

Which Chapter Should You File Under?

Consumers have options for filing for bankruptcy – Chapter 7 or Chapter 13.  There are different requirements for either. Whether you can file for chapter 7 or chapter 13 will depend on how much debt you have, how much you earn and whether you can pay back your creditors in full or part. We’ll go over your options with you. Chapter 7 and chapter 13 affect your debts, property, money and belongings differently as well. In some cases, you may be able to stop foreclosures or at least delay them. In other cases, some debts or loans may or may not be forgiven
Declaring bankruptcy is a stressful, involved process. We want to make that process as simple and calm as possible. If you’re not sure whether you should file for bankruptcy, or if you’re not sure what chapter to file for, call us to set up a consultation appointment. We’ll answer all your questions and help you get started.