We have locations available by appointment in the following areas. Please call us to speak to an attorney and set up an initial meeting.
Overwhelming debt is common, unfortunately. If you are facing collection calls and struggling to make your minimum payments each month, it may be time to consider seeking protection through the Bankruptcy Code. Filing for bankruptcy might seem daunting, but you do not have to face this challenge alone. A skilled bankruptcy attorney from our firm is here to help.
There are different ways to approach bankruptcy depending on your financial situation. In some cases, you may discharge your debts and move forward with your life in a matter of months. Let a Warren bankruptcy lawyer review your options.
Various chapters under the Bankruptcy Code represent different options for individuals and corporations. Two of the most common approaches are Chapter 7 and Chapter 13 bankruptcy.
Most people qualify for one option or the other, depending on their financial circumstances. Your income is the primary factor in determining which path is available for you. A Warren debt relief attorney could help you pursue either option.
Chapter 7 is called liquidation bankruptcy, and the name often gives people the misconception that they must sell all of their property as part of the process. The good news is that most people will be able to keep everything they own. You can generally get a discharge of your unsecured debt in six to 12 months, but there are strict eligibility requirements to be aware of. You can only file for Chapter 7 bankruptcy if your income is lower than the median income of your state.
Chapter 13, also known as reorganization bankruptcy, is for those who have the means to partially repay a portion of their debts before receiving a discharge. People typically file for Chapter 13 when they are ineligible under Chapter 7.
Chapter 13 bankruptcy typically takes much longer than Chapter 7. Depending on your circumstances, you can expect the case to take between three and five years. An important part of the process is developing a repayment plan to pay down a portion of your debt. During this time, you can also catch up on missed payments, allowing you to exit bankruptcy without delinquent accounts or past-due loans.
Filing for bankruptcy can provide powerful financial relief when debt feels overwhelming. One of the most immediate benefits is the automatic stay, which stops creditors from taking further collection actions. This means that foreclosure proceedings on your home are paused, giving you valuable time to explore solutions and potentially save your property. Bankruptcy can also stop wage garnishments, allowing you to keep more of your paycheck and maintain financial stability while you reorganize your debts.
Beyond foreclosure defense and protecting your income, bankruptcy may eliminate unsecured debts such as credit cards and medical bills, reduce overall stress, and provide a clear path toward financial recovery. For many individuals, it also creates an opportunity to rebuild credit responsibly over time. With guidance from an experienced Warren bankruptcy attorney, the process can be a fresh start, helping you protect your home, your income, and your future financial security.
Now is the right time to deal with your debt. To discuss the potential of a fresh financial start, reach out to our Warren bankruptcy lawyer as soon as possible. You can also take the first step right now by filling out our debt calculator, which will give you a personalized quote and help you understand your options. This simple tool starts the process and shows you how bankruptcy may fit your situation.
Additionally, you do not need a large upfront payment to file. Many clients qualify to file with zero money down and use a convenient payment plan, making relief accessible immediately.
We have locations available by appointment in the following areas. Please call us to speak to an attorney and set up an initial meeting.
We are a debt relief agency helping people file bankruptcy under the United States Bankruptcy Code.
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