Bankruptcy

We have the staff and the experience essential to help you through the bankruptcy process and will be with you through the filing, court appearances and discharge proceedings.

Our office handles Chapter 7 Bankruptcy cases. The type of Bankruptcy an individual files depends on each person’s circumstances. We provide counsel to our clients to choose a Bankruptcy filing that will match the Bankruptcy Court’s requirement, considering the assets, income, expenses, and debt of the client.

Generally, a Chapter 7 Bankruptcy filing is considered a liquidation filing, where the client’s unsecured debts are discharged by the Bankruptcy Court and the client starts over, while protecting limited assets from his or her creditors. For instance, the client can protect limited equity in a home or car in Chapter 7, but must keep making his or her payments in a current manner. There are no ongoing payments to the Bankruptcy Court’s Trustee to pay the debts that are discharged. Chapter 7 Bankruptcy is not the best choice for all clients because there are income tests that may require the client to pay some or all the unsecured debts.

In Bankruptcy, there are certain debts which cannot be discharged. While there are many types of debts that must be paid, it is important to remember that taxes owed are not discharged by the Bankruptcy Court. Additionally, child support and other domestic ordered support are not discharged by the Court and future taxes and child support are not affected by bankruptcy. However, even if you owed back taxes or child support, Bankruptcy may help you get these debts current and help you avoid levy and seizure while you are under the protection of the Bankruptcy Court.