Bankruptcy Lawyers and Attorneys, Chapter 7 and Chapter 13

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If you have been struggling with debt, it may feel like you will never find a solution to your financial burdens. What began as a few late payments escalated into a financial problem you may not know how to fix. While it can seem like there is no solution, we are here to tell you that there is still hope. We make it our priority to help people overcome their debt.

Bankruptcy is the legal process of declaring that you are unable to repay your personal or business debt to creditors. It was originally a process used by creditors but has evolved to become a method of helping debtors overcome their debt. Depending on the type of bankruptcy you file, you might either have your debt wiped out or have the chance to repay it on a payment plan. The foreclosure attorneys we feature on our site will do all they can to help you through the foreclosure process and prevent the liquidation of your assets.

We feature an extensive array of the nation’s top bankruptcy lawyers who know how difficult your situation can be and who will do everything on their part to help you overcome your debt. Regardless of how you incurred debt, be it through unpaid credit card bills, medical treatment, business expenditures, taxes or lawsuits, our bankruptcy lawyers can help you either eliminate your bankruptcy debt completely or significantly reduce it. Browse our site to find links to the highest rated bankruptcy lawyers in your city and state who will evaluate your finances and determine a course of action that suits your needs.

When you work with one of our attorneys, everything surrounding your case will be taken care of for you from the moment of your initial consultation. Your paralegal will sit down with you and analyze your financial background to determine your best course of action. They will then speak to your lenders to see if a solution can be reached without having your assets liquidated. Your bankruptcy lawyer will do everything possible to ensure the best outcome for your case and the survival of your business.

Without top bankruptcy lawyers working on your case, you may make a tragic mistake and end up in a worse financial position than you were in before you filed. Bankruptcy can remain on your financial records and credit for seven years, or even longer, so you need to choose an acclaimed paralegal that excels at their craft. No matter which of our devoted and talented bankruptcy attorneys you choose to work with, you can rest assured that your case will be in the hands of a trusting and skilled professional.

If you have been dreaming of a debt-free life, we want you to know that dream can and will become a reality. Our bankruptcy lawyers are here to help you be rid of your financial problems so you never have to struggle with bills again. Contact us today.

There are several bankruptcy chapters that can be filed, but choosing the best one for your particular needs is a decision that must be carefully made. Selecting the wrong one can lead you to incur more debt that you originally had and can lead to years of financial recovery. With the help of one of our featured foreclosure attorneys, however, you can rest assured that the best decisions will be made for your individual financial situation so your case can resolve as quickly and smoothly as possible with our bankruptcy lawyers.

The following are the different types of bankruptcy that can be filed:

Chapter 7 Bankruptcy: This deals with the liquidation of assets in exchange for the elimination of debt. With this petition, a debtor’s financial obligations are wiped out completely, but they may lose some valuable possessions in the process. Often referred to as the “fresh start” petition, it can be filed by both individuals and businesses alike and is the most common.

Chapter 9 Bankruptcy: This is the chapter of the Bankruptcy Code that allows municipalities (cities, towns, villages, school districts, etc.) the chance to reduce their debts. While not as common as some of the others, this type of bankruptcy allows municipalities to remain in operation while paying off what is owed to creditors. It is unique in the sense that there is no provision for the liquidation of assets and subsequent distribution of the proceeds to creditors.

Chapter 11 Bankruptcy: Chapter 11 bankruptcy was originally created with the intention of helping large businesses reduce their debt but can now also be filed by individuals. This is considered a reorganization bankruptcy, which means debts are not completely eliminated, but reduced, and debtors are given a certain period of time in which they can repay what is owed to them. Assets will not be liquidated with this petition and business can continue to operate as they normally would throughout the process. Debtors can emerge from Chapter 11 bankruptcy anywhere between a few months to a few years.

Chapter 12 Bankruptcy: This chapter is intended for family farmers and fishermen with a regular annual income. A form of reorganization, debtors who file Chapter 12 bankruptcy will propose a repayment plan for their debt, usually making installment payments over a three to five year period.

Chapter 13 Bankruptcy: Often referred to as the “wage earner’s” plan, this chapter also reorganizes debt and is intended for individuals (not businesses) who have a regular source of income. Much like Chapter 11 bankruptcy, this also allows the debtor to keep their assets as they pay off what is owed over a period of time – usually between three to five years.

Chapter 15 Bankruptcy: The newest chapter added to the Bankruptcy Code in 2005, it allows foreign debtors and other related parties to access U.S. Bankruptcy Courts. It aims at promoting cooperation between the U.S. and other countries, improving trade relationships, among other interests.