Many people accumulate overwhelming debt while trying to keep up with basic expenses. Divorce, medical expenses, accidents, job loss, and raising children can all result in overwhelming debt. Our office is knowledgeable in consumer bankruptcy law and OFFERS REASONABLE FEES!
CHAPTER 7 BANKRUPTCY
Also known as Debt Liquidation, Chapter 7 bankruptcy is the best option for many individuals. Chapter 7 bankruptcy allows individuals to:
- obtain a discharge of all or most unsecured debts
- stop creditor harassment
- end garnishments
- stop repossession of vehicles
- stop foreclosure
- end creditor lawsuits
In some cases, Chapter 7 clients can avoid liens, redeem personal property, and recover garnished funds. Often, Chapter 7 clients can keep all their real and personal property, including their homes, vehicles, retirement accounts, and other personal property. The office can explain to you your bankruptcy exemptions and counsel you on the best options for retaining property in bankruptcy.
In 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act was passed and part of this law known as the “Means Test” makes it more difficult for debtors to successfully file Chapter 7 bankruptcy. Attorney Will Matthews has filed numerous bankruptcies since the changes in the law. He is intimately familiar with the Means Test and will explain your options and help you qualify for Bankruptcy Relief!
COURT COSTS AND CASE EXPENSES WILL BE THE RESPONSIBILITY OF THE CLIENT.
CHAPTER 13 BANKRUPTCY
Also known as Debt Reorganization, Chapter 13 is the best option for individuals who are not eligible for Chapter 7 bankruptcy. Chapter 13 is also for individuals that want to cure overdue debt, including:
- a home where they have fallen behind
- tax payoff
- lowering interest rates and payments on secured debts such as a car payment
Chapter 13 usually allows clients to pay less than they owe on secured loans and allows clients to avoid liens in some situations and to discharge certain debts that may not be dischargeable in a Chapter 7 bankruptcy.
Skeletal (or Skeleton) Petitions
Our office is available to file skeletal petitions, which is a way to immediately invoke the protections of the Automatic Stay to immediately stop collection efforts, repossessions, and judicial sales. Upon filing a skeletal petition the Client is obligated to file the remainder of the documents within fourteen days. Our office represents Debtors and Creditors alike in bankruptcy cases and in adversary proceedings within bankruptcy cases.
Federal law requires the following disclaimer: This office provides debt relief by helping people file bankruptcy.
“Will Matthews has been amazing. He handled my bankruptcy with quickness and made me feel very comfortable. He did exactly what he said he would, and always responded back quickly. I have already recommended clients and will continue to do so!! – Kelli L.
“I am super satisfied with Will as my bankruptcy lawyer. He has helped me out a lot!” – Ryan T.