| DEBT PROBLEMS??? We Can Help |
CHAPTER 7 BANKRUPTCY $375 + filng fee An individual Chapter 7 bankruptcy is also known as "Fresh Start" or "Straight" bankruptcy, Chapter 7 bankruptcy allows a person to eliminate most or all of his or her debt while being allowed to keep certain property he or she may have. We can also help you file a joint bankruptcy if you are married. In many cases, a person may keep their home or car (secured debt), provided that they continue to make current payments and are up to date on the loan. Chapter 7 eliminates: - Credit Card debts
- Medical debts
- Personal loan debts
- Lawsuit debts
- Judgements - Unless fraud or criminal related
- Deficiency debts on repossessed autos and foreclosures
- Certain other exceptions may apply
- Personal Injury Debts - except driving while intoxicated and criminal injury.
- Certain other exceptions may apply.
Chapter 7 is the most commonly filed form of bankruptcy and can allow for a new start. More and more people find themselves struggling with debt they cannot control. Chapter 7 bankruptcy allows for their debt to be discharged and lets them gain control of their financial situation with a fresh start. Chapter 7 does not eliminate student loans except undue hardship cases, debts from certain types of taxes, alimony maintenance or support payments, fines, penalties and criminal restitutions, debts incurred through fraudulent conduct, debts incurred through intentional injury to person or property or debts from personal injuries caused by driving while intoxicated. |
CHAPTER 13 BANKRUPTCY PAY NO ATTORNEY FEES UNTIL YOU FILE!!! Chapter 13 bankruptcy allows a person to consolidate the debt while making convenient monthly payments to a trustee. A payment plan is proposed which repays the debt over a three to five year period. The amount of the monthly payment and the length of the repayment plan is based upon the following factors: - Monthly income of the person
- Monthly expenses of the person
- Amount and nature of the debt
The most common uses of Chapter 13 involve: - Repayment of mortgage arrears (back amounts owed) home
- Restructuring of auto loans to save a vehicle
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