Our mission is to provide you with answers to your questions and solutions to your problems. Financial problems are the source of stress and conflict in families and businesses. If your monthly debt service exceeds your income you have a problem that you cannot solve on your own. You cannot borrow your way out of debt problems. We are problem solvers and we can help you find an answer that will give you debt relief and stress relief.
Any debts whatsoever, whether they are secured or unsecured. Even debts that are non-dischargeable, such as debts for student loans or child support, may be paid under a chapter 13 plan.
Spousal Support
Debts for domestic support obligations, which include debts for alimony, maintenance or support and, certain other divorce–related debts including property settlement debts.
Debts for student loans or educational obligations unless a court rules that not discharging the debt would impose an undue hardship on the debtor and his or her dependents...
In a chapter 7 case the person filing is required to turn over to the trustee only the nonexempt money or property that he or she possessed at the time the case was filed. Many nonexempt assets are liquid in nature and tend to vary in size or amount from day to day. It is wise, therefore, for the debtor to engage in some estate planning so as to minimize the value or amount of these liquid assets on the day and hour that the chapter 7 case is filed. The most common nonexempt liquid assets, and the assets that the trustee will most likely look for, include the following...
A chapter 7 bankruptcy case is a proceeding under federal law in which the debtor seeks relief under chapter 7 of the Bankruptcy Code. Chapter 7 is that part (or chapter) of the Bankruptcy Code that deals with liquidation. The Bankruptcy Code is that part of the federal law that deals with bankruptcy. A person that files under chapter 7 is called a debtor. In a chapter 7 case, the debtor must turn his or her nonexempt property, if any exists, over to a trustee, who then converts the property to cash and pays the debtor’s creditors. In return, the debtor receives a chapter 7 discharge, if he or she pays the filing fee, is eligible for the discharge, and obeys the orders and rules of the court.
Foreclosure
Almost immediately: As soon as our office files your bankruptcy with the Court, creditors no longer may assert any legal claim to your property or resources, and must cease contacting you. If you are being garnished or being threatened with a vehicle seizure or home foreclosure, we will contact those creditors immediately upon filing your case. All of those actions must immediately cease.