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Before you consider filing for Bankruptcy you may want to learn about your options. If Bankruptcy is the answer in your particular case, our partners can give you the guidance to get it done in a most professional manner. Bankruptcy is a multi-step process that involves many forms and procedures. An attorney that specializes in this area of law, to assist in getting you the best possible outcome.

The decision to file (or not file) for bankruptcy is a big one. It is best to get professional advice from an attorney that specializes in all areas of bankruptcy protection.

At Bankruptcy Relief we can provide the tools and answers you need to make the best decision in your particular situation.

There are other alternative available to you and it is best to gather the best information before you decide what to do.

Chapter 7 vs Chapter 13

There are essentially two types of bankruptcy options Chapter 7 and Chapter 13 to consider.

Each type has different pros and cons that might or might not be right for you. Here is a quick overview of the two types.

Chapter 7 Bankruptcy is commonly used when you have little property and when you have little or no money after paying your basic expenses. In this type of filing most of your unsecured debt can be eliminated. This type of filing moves quickly and can be resolved in a matter of months.

Chapter 13 Bankruptcy is often a suitable choice when you have significant equity in your home and you would like to keep it. This type of filing is good if you have a regular income, but can’t keep up with regular payments. This kind of bankruptcy usually gives you 3 - 5 years to catch up on payments by spreading out the schedule of your payments.

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Frequently Asked Questions
  • An automatic stay order prohibits any further contact from collectors by any of your creditors. Bankruptcy may provide immediate relief this type of creditor harassment. It can also stop foreclosure and repossession and halt lawsuits and wage garnishments.

  • Following a bankruptcy so people do not want to start building up their credit score again, while other do. Even for those that don’t have a desire credit card debt in the future should consider rebuilding their credit to help make larger purchases down the road such as a home or vehicle.

    It’s a fact that bankruptcy has a negative impact on your credit score, but it can also be a fresh financial start with a clean slate. It’s an important time to start living with a budget and slowly building back your credit history and improving your score for the future.

  • Yes, bankruptcy can often provide relief for those affected by medical expenses, job loss, divorce, disability and mortgage and car payments that can’t be met.

  • It is a 3-digit number a lender relies on to decide your credit risk. They typically range from 300 to 850, but new scoring formulas have been created from financial institutions using a different set of numbers.

  • It is a process that a bank or mortgage company that has a lien on a real property a person may own that allows them to legally take possession of the property, due to the owner not complying with terms of an agreement.

  • Many people that file do get to keep their vehicle, although each case is different. If you get behind on payments you may be able to take advantage of current bankruptcy laws to assist in keeping your vehicle.

  • In certain cases, a co-signer can be protected. In general, if you file for Chapter 7 Bankruptcy creditors are still able to proceed with collection efforts against any of your co-signers, even if you are able to wipe out your own debt.

  • Great question, as the intimidating calls and emails can be quite traumatic. Good news is that you do have the power to halt the collection people by getting an automatic stay that can make it illegal for creditors to contact you.

  • Filing for bankruptcy can eliminate credit card, medical costs and other unsecured debt. However, debt such as child or spousal support - or tax debt - are rarely eliminated in any type of bankruptcy.