I am Kristina Kaeding and I invite you to meet with me personally to assess your current financial situation and determine the best options available to you at this time. You are taking the first important step in your journey to financial freedom by searching for a professional to help guide the way and I look forward to providing to you the expertise and professionalism that you deserve.
In my legal practice dedicated to bankruptcy law, I can explain both Chapter 7 and 13 bankruptcy approaches and provide guidance regarding what choice best applies to your situation. Asset division due to divorce or a looming foreclosure can lead to more debt than you can handle. If either of these situations is on the horizon, a bankruptcy can provide you with substantial relief.
In my legal practice dedicated to bankruptcy law, I can explain both Chapter 7 and 13 bankruptcy approaches and provide guidance regarding what choice best applies to your situation. Asset division due to divorce or a looming foreclosure can lead to more debt than you can handle. If either of these situations is on the horizon, a bankruptcy can provide you with substantial relief.
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Having helped hundreds of people get out of debt and start again, I understand the anxiety and worry people feel when making the decision to file for bankruptcy. It's never easy. But I do believe that that is the hardest part. Once you commit to the process, things get easier. I am Iowa bankruptcy attorney Kristina Kaeding.
Bankruptcy
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As an individual, as opposed to a company or corporation, there are two main types of bankruptcy available to you. One is liquidation, or Chapter 7 bankruptcy and the other is repayment or partial repayment, or Chapter 13 bankruptcy. I am Kristina Kaeding; I founded my firm, Kaeding Law Office, PLC, so that I could offer people who were struggling for a way to get out from under heavy debt and start fresh.
Chapter 7 Bankruptcy
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Chapter 7 bankruptcy is designed to eliminate debt. It is often referred to as a "straight" bankruptcy or a "liquidation" bankruptcy. It is known as such because the trustee assigned to the case can sell any nonexempt or unprotected assets and pay the money to your creditors. However, it is important to understand that most property is protected by an exemption under state law.
Bankruptcy Divorce Foreclosures
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Finding resolutions to challenging legal situations impacting your homeownership or post-divorce financial standing is difficult to face alone. Whether you have received notification of foreclosure or are in the process of a divorce and need assistance discharging past debts, the guidance of an experienced lawyer is invaluable in helping you find the resolutions you need to end your worries and move forward.
Bankruptcy FAQ
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At Kaeding Law Office, PLC, I help people understand their rights and options when it comes to starting fresh. I am dedicated to helping you relieve the emotional stress of dealing with foreclosure, wage garnishments, and creditor and bill collector harassment. Here are some commonly asked questions and their answers.
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