Bankruptcy Law


Chapter 7 Bankruptcy law is a liquidation bankruptcy. It discharges most unsecured debts, such as credit cards, medical bills, personal loans, and payday loans. Individuals seeking to obtain relief under Chapter 7 bankruptcy must pass a “means test”, which takes into account, your household income, or in some instances, requires that the individuals show a lack of available income to repay their creditors. Chapter 7 is a relatively quick process and a discharge is usually received in as little as four to five months after the filing of your case.

Individuals with higher income may want to consider Chapter 13 bankruptcy law, which provides for repayment of some or portions of their debt(s). Filing a Chapter 13 may help debtors save their home by stopping the foreclosure proceedings and allowing debtors to repay their mortgage arrears, enables individuals to repay non-dischargeable debts such as property taxes, alimony or child support debts over several years. An experienced bankruptcy attorney can often obtain a low percentage Chapter 13 payment plan, which ultimately helps to reorganize debts through a repayment plan. If you, your company, or someone you know is considering bankruptcy contact our office today for a free consultation.

A bankruptcy claim covers a vast area of categories relating to, but not limited to the following:

Personal Bankruptcy
Business Bankruptcy
Municipalities Bankruptcy
Family Farmers Bankruptcy
Property Liquidation
Secured and Unsecured Debt
Contingent claim
Unliquidated claim
Disputed claim




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