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Consumer Bankruptcy

Understanding Consumer Bankruptcy in Barnwell

If you’ve reached the point where you think you need to declare bankruptcy, you might be worried or anxious. Adding a legal process on top of existing financial worries can be daunting and stressful. Don’t worry too much. We want to help you understand 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 these hard times, we’re here for you.

Which Chapter Should You File Under?

Once you’ve decided it’s time for you to file for bankruptcy, you may not know which chapter is right for your situation. There are different requirements for chapter 7 and chapter 13 bankruptcy. 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. Once you know what chapter to file for, we’ll explain how your property will be affected.

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.