Chapter 7 Bankruptcy Legal Services

If your mortgage and car payments are current, then you should be able to reaffirm the debt. This means you can continue making the monthly payments without losing your home or car.

Chapter 7 discharges most unsecured debts. This could include:

• Credit cards
• Medical bills
• Utility bills
• Payday loans
• Personal loans
• Deficiencies from repossessions

You may also be able to get rid of some secured debt. If you would like to give up your mortgage or car payments, it is possible to surrender these items and eliminate these debts as well. Overall, many debts can be discharged through Chapter 7, but you should note the limitations. You will not be able to discharge:

• Tax debt
• Child support
• Spousal support
• Most student loans
• Debt from car accidents involving drugs or alcohol

If you have questions about the type of debts discharged by Chapter 7, please ask. At Kryshak Law Office, LLC, we always answer the phone, and you’ll work directly with an attorney on your case.

Chapter 7 bankruptcy can stop lawsuits against you. It can also eliminate many judgments that have already been received. If you are facing a lawsuit, don’t delay getting legal help. Set up a consultation with Kryshak Law Office, LLC as soon as possible. We may be able to help you avoid complications from your lawsuit. Quick action can help you protect any real estate assets you have. We can help you avoid a judgment against you and prevent creditors from placing a lien on your property. We may also be able to help prevent wage garnishment.

When you file for Chapter 7, all garnishments stop. In this way, filing for bankruptcy is the fastest way to eliminate wage garnishment. In fact, once you file for Chapter 7, it may be possible to get some of your garnished wages back. We’ll discuss the options during your free consultation.

Overall, creditors are allowed to contact you until your bankruptcy case is filed. By filing for Chapter 7, you can effectively stop creditor harassment. However, in the meantime, there may be other ways to minimize harassment. During your consultation with Kryshak Law Office, LLC, tell us about any harassment. We’ll help you find solutions to keep you safe.

One of the biggest hesitations most people have about filing for bankruptcy is their credit rating. While filing for Chapter 7 does negatively impact your rating, you can rebuild it faster than you think. To start, it helps to reaffirm your mortgage and car loan. However, even without secured debt to affirm, you have other options. In fact, with a proactive approach, many people can recover their rating enough to finance a car within two years. You may have enough credit to finance a home a few years after that.

Ultimately, if you have a lot of debt or you have missed some payments, you are also doing damage to your credit score. At Kryshak Law Office, LLC, we know that filing for bankruptcy is a personal decision, and we’ll be here to help you assess the pros and cons. We’ve helped many clients get a fresh start and rebuild their credit rating through Chapter 7 bankruptcy.

The fees for your case will vary. Bankruptcy law is extremely technical, and we’ll need as much information as possible during our initial consultation to accurately assess your case. When it comes to payment, we’re flexible at Kryshak Law Office, LLC. Low, fixed rates are available, and we offer payment plans.