Life is hard enough right now. Get the financial relief you deserve.

Overwhelming debt can take a toll. Ignoring or avoiding the trouble can result in garnished wages and a grim credit score. Although not for everyone, choosing bankruptcy means taking control of the situation and getting your financial record back on track. 

We can help you decide if Bankruptcy is right for you. Our bankruptcy attorneys are dedicated to your success and helping you through the process with compassion and respect. We can work together to put a stop to creditor harassment and find the relief you need.

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Chapter 7 is often referred to as “liquidation bankruptcy” because you may be required to liquidate certain non-exempt assets, such as a car or a vacation home to pay off some of the debt. You must also meet income eligibility requirements and other criteria.

However, Chapter 7 will discharge most unsecured debt, including credit cards and personal loans in as little as three to four months. After filing Chapter 7, people generally find themselves in a better situation than when they began. Chapter 7 allows you to begin to rebuild your credit and financial future immediately.

Compared to the short turnaround time of the average Chapter 7 bankruptcy, Chapter 13 bankruptcy allows you to repay debts within three to five years. A repayment plan is established that lets you pay creditors over time without having to liquidate your property.

As with Chapter 7 bankruptcy, you’ll have to meet criteria. Chapter 13 is often referred to as a “wage-earner’s plan” because you must have a regular income that will permit you to make monthly payments.
Chapter 13 does not eliminate your debt but allows you to repay your debts while protecting your assets.

Common Reasons For Filing Bankruptcy

• Stop creditor harassment and collection calls
• Eliminate credit card debt
• Erase additional unsecured debts
• Improve your credit
• Avoid foreclosure and eliminate liens on property
• Reduction of debts or repayment over a period of time

Need debt relief and wondering if filing for bankruptcy is right for you? Please contact us to schedule your free consultation and visit our Frequently Answered Questions page for more information from our expert legal team.

The Law Offices of Jeffrey Lohman, P.C. is considered a debt relief agency pursuant to federal law. We are attorneys who help people file for bankruptcy relief under the Bankruptcy Code.