Mount Holly Debt Relief Attorney —
If you are facing substantial debt and do not know where to turn, you should not feel embarrassed or guilty about contacting an experienced bankruptcy attorney for advice about filing a Chapter 7 case. The fact is that the law provides individuals an option to get out of debt and obtain a fresh start by declaring bankruptcy.
There should be no shame regarding the need to declare bankruptcy as many people find themselves in this position each year due to job loss, medical problems, or other events beyond their control. Even if there isn't a specific financial crisis that led you to this point, Chapter 7 is available to you as a debt relief option. Our staff will not question why you need debt relief.
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Chapter 7 Basics and Facts
Chapter 7 is a form of bankruptcy that is available to both individuals and businesses. Individuals must meet certain financial requirements in order to be eligible to file under Chapter 7 of the Bankruptcy Code. Chapter 7 is intended for individuals and couples who are unable to pay their debts while maintaining a basic standard of living. For businesses, it is a way to end the business and clean up any financial issues that may remain after the business has closed.
- By filing a Chapter 7 case, debtors can eliminate most debts. Exceptions generally include student loans, taxes, and domestic support obligations. However, there may be instances where a debtor can discharge taxes or student loans.
- Chapter 7 provides debtors who are unable to pay their bills a clean slate so that they can rebuild their finances for a stronger financial future.
- Filing a Chapter 7 case stops creditor harassment, garnishments, levies, and judgments. It also temporarily stops foreclosure sales and repossession in order to give the debtor an opportunity to work out a payment arrangement with the creditor, thus allowing the debtor to keep major assets, arrange for housing, or obtain another vehicle.
- Most Chapter 7 cases are “no asset” cases, meaning that the debtor does not lose any of his property, but eliminates most or all of his debts.
- In most cases, a debtor will receive his bankruptcy discharge and his bankruptcy case will be closed approximately four months after the case is filed.
- Chapter 7 attorney fees and costs are affordable for the majority of individuals seeking debt relief.
Even though the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 made many changes to bankruptcy laws, many people are still able to qualify for a Chapter 7 bankruptcy case. Only an attorney who has extensive bankruptcy experience, such as Travis J. Richards, can assist individuals with determining if they are eligible for this form of debt relief.
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Schedule a Free Bankruptcy Consultation
Chapter 7 bankruptcy provides debtors with a fresh start so they can begin to recover after a financial crisis. It could allow you to eliminate your debts so that you and your family can have a better life.
Please let our firm help you get back on track. We focus our services on bankruptcy, debt consolidation, and credit repair. We offer free consultations during regular business hours as well as on weekends and evenings.
Call our office at 609-267-5297 or use our convenient online contact form to schedule a confidential consultation with our Mount Holly chapter 7 bankruptcy attorney today.