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Explore bankruptcy resources and answers to common questions.
It’s a fact: tough times have taken a real toll on individuals and families. If you’re struggling to pay your bills, facing home foreclosure, vehicle repossession, utility shutoff and other financial problems, seeking protection under Chapter 7 or Chapter 13 of the federal bankruptcy code may provide the fresh start you need and deserve.
Financial problems hurting your family? Bankruptcy can give you the fresh start you need and deserve.
Understand your options
Debt and financial problems can creep up on you faster than you realize, and it can happen to anyone. The debt relief attorneys at DannLaw are experienced in bankruptcy cases and can help you determine if bankruptcy is the right course of action for your situation. You might consider it if:
These are just some of the most common situations where bankruptcy can be the best choice available. It is also important to understand the difference between the two primary types, as they afford you different options.
If you want a completely fresh start, Chapter 7 bankruptcy may allow you to eliminate your dischargeable debts, such as credit cards and medical bills, without needing to make any repayments. This is the most common form of bankruptcy in the United States.
While this plan doesn’t immediately absolve you of your debts, Chapter 13 does allow you to slowly pay off your creditors over a period of three to five years. One benefit of Chapter 13 over Chapter 7 is that you can usually keep most of your high-value assets.
Taking into account how serious your debts are and how underwater you are financially will be the key factor of whether to pursue Chapter 7 or Chapter 13. If you have more questions, check out our Bankruptcy FAQ.
Not Sure if Bankruptcy Is the Right Move?
Talk with our team about your debt, your options, and what makes sense for your situation.
Student loans, some tax debts, personal judgments, alimony and child support are not dischargeable. DannLaw can review your debts and determine which ones are dischargeable.
Eligibility for Chapter 7 is determined by an income/expense determination compared to regional medians. Generally, tax debt, domestic support obligations including child support or alimony, and student loans cannot be discharged. It is possible, depending upon a showing of extreme hardship, that your student loans may be discharged.
DannLaw’s experienced debt relief attorneys can help you determine if bankruptcy is your best option. We handle cases in:
From gathering information to filing the right type of action, to conducting creditor meetings to final discharge, we provide personal attention that helps homeowners navigate the complex bankruptcy process. Contact DannLaw today for a free consultation.
We look forward to working with you to solve your debt and credit problems and preserve the equity you may have in your home, vehicles and other assets. In order to determine the course of action and type of filing that may be right for you, call the DannLaw office nearest to you or submit our contact form to schedule a free initial consultation.
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