Kent County Bankruptcy Attorney

Bankruptcy Lawyer for Chapter 7 & Chapter 13 Cases

When credit card balances, medical bills or other bills start piling up, you may think there is no way out. Many good people find themselves in this situation, unable to keep up with expenses and afraid of losing their house, car or other property. By understanding an overview of bankruptcy and working with an attorney, you may be back on your feet very soon. I am a Kent County bankruptcy attorney and I work hard on behalf of my clients to get them results. It is important that you fully understand what options are available to you and I may be able to help you determine whether filing for Chapter 13 or Chapter 7 bankruptcy is best for you.

About Filing for Chapter 7 Bankruptcy

There are certain qualifications for filing for Chapter 7 bankruptcy protection. Individuals and many businesses can file for Chapter 7. The Means Test is the primary tool in tax law used to determine eligibility. If eligible, all wage garnishment and collection actions must cease once your petition has been filed with the bankruptcy court. The filing must include detailed financial information and it is important to have the help with an attorney to ensure it is thorough and detailed. In the case of an individual filing for this form of bankruptcy, it may be possible to discharge all debts when the process is completed. This can really give someone that fresh start they were hoping for and I work hard on my client's behalf to obtain that result!

Chapter 13 Bankruptcy Protection

Chapter 13 differs from Chapter 7 in that debts are resolved through a negotiated payment plan over a period of 3 to 5 years. Qualifications for Chapter 13 protection depend on the amount of secured and unsecured debt an individual or non-incorporated business has acquired. There are other prerequisites as well and you should speak with an attorney to find out more. If you are eligible for this bankruptcy filing, a thorough petition including all applicable information must be filed. Chapter 13 protection may make it possible to keep your home and property and eliminate debt after a relatively short period of time!

Contact a Kent County Bankruptcy Attorney now if you are considering a Chapter 7 or Chapter 13 bankruptcy! There is no charge for an initial consultation.