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Chapter 13 and 7

bankruptcy relieves stress. this stress relief is accomplished either through a chapter 7 or a chapter 13 bankruptcy. Many people are familiar with these numbers but know very little about actual bankruptcy.

Chapter 7: this bankruptcy is perhaps the easiest. It is very short in duration, 3 to 4 months. It is designed to just eliminate debt and allow an individual to obtain a fresh start.  There are income requirements. If you make too much money you will not be allowed to do a chapter 7. 

Chapter 13: this is a 3 to 5 year long bankruptcy that involves making a monthly payment pay off some of your debts. The most common reason for filing is foreclosure, repossession, garnishment. By filing a Chapter 13 you stop the creditors from attacking you as you get your debts reorganized.  teeth and gums. Even if you haven’t had a cleaning in over two years, it’s never too late to treat your teeth.

What are some of the common questions about bankruptcy?

  • Will I lose everything I own?  No, we plan your case to avoid that.

  • Will friends,family, and my employer find out I filed? No

  • Will it be 10 years until I can get credit?  No, 18-24 months

  • Is there a minimum amount  of debt needed to file? No

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