Please call us at (317) 759-1483 to discuss your bankruptcy matter and receive your free consultation. Are you being harassed by creditors? Do you have wage garnishments coming out of your paycheck, or lawsuits against you from credit card companies? Chapter 7 Bankruptcy can put a halt to all of those things immediately.
Whether you are single or a married couple, Chapter 7 Bankruptcy is a viable option if you have consumer debt to eliminate. If you qualify for Chapter 7, based on the Income Means Test, you could have all of your credit card debts, medical bills, and other unsecured debts eliminated within three to four months.
Whether you are single or a married couple, Chapter 7 Bankruptcy is a viable option if you have consumer debt to eliminate. If you qualify for Chapter 7, based on the Income Means Test, you could have all of your credit card debts, medical bills, and other unsecured debts eliminated within three to four months.
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Chapter 7 Bankruptcy
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A Chapter 7 Bankruptcy is the straight or liquidation chapter of personal bankruptcy. A single person or married couple files papers with the Bankruptcy Court asking for immediate protection from their creditors and ultimately for an elimination (discharge) of most debts. In a chapter 7 bankruptcy you will have the option of "reaffirming" secured debts like houses or cars.
Chapter 13 Bankruptcy
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Chapter 13 is a personal reorganization bankruptcy. It provides protection from creditors while a plan to deal with debts is put together. Chapter 13 provides help to people looking to stop foreclosures, avoid repossessions, and stop other creditor collection efforts. A chapter 13 plan treats all of your debts in one way or another.
Creditor Harassment
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You are finding errors on your credit report, review information about the Fair Credit Reporting Act here: FCRA. You are receiving letters or unwanted statements or phone calls from creditors, review information about the Fair Debt Collection Practices Act here: FDCPA. You are receiving calls from creditors or other advertisers on your cell phone, review information about the Telephone Consumer Protection Act here: TCPA.
Fair Credit Reporting Act
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The Fair Credit Reporting Act (FCRA) provides individuals with a way to correct erroneous information and to pursue actions against credit agencies that violate a person's rights. If you find errors, you must dispute the erroneous information to each credit reporting agency reporting the erroneous information.
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