What are the different types of bankruptcy, and which Chapter should I file?

There are various types of bankruptcy options available, and our office has extensive experience with all of them. Individuals typically file Chapter 7 or Chapter 13 depending on their situation. Chapter 7 discharges debts like credit cards, while Chapter 13 allows for catching up on mortgage or car loans. We offer free consultations to help determine the best option for you.

How much property am I allowed to keep?

You can usually keep your possessions because each state has exemption limits that allow individuals to retain certain amounts of property, including houses, cars, and personal belongings.

Will my creditors continue to call me after I file for bankruptcy?

No, once you file for bankruptcy, creditors cannot contact you directly. They must communicate with your attorney.

Is my spouse required to file bankruptcy with me, or can I file independently?

You do not have to file jointly. During your consultation, we will explain what option is best for your circumstances.

Will my friends and family find out that I filed for bankruptcy?

Most filings are not published widely, and confidentiality is maintained. Your case is stored in a federal database that isn't accessible to the public.

Will I be able to buy a house or a car after my bankruptcy?

Yes, many clients receive offers for loans shortly after bankruptcy discharge. Though interest rates might be higher initially, you can rebuild your credit score within a few years.

Can I discharge student loans and tax debts?

Typically, student loans are not dischargeable, but we can assist with obtaining relief through Chapter 13. Certain tax debts older than three years may qualify for discharge.

Does filing bankruptcy ruin my credit?

While it may lower your credit score initially, many clients have raised their score significantly within a few years post-filing.

ImmigrationFix | Discover immigration attorneys in Point Pleasant, Mason County

immigration attorneys in Point Pleasant, Mason County

Supple Law Office PLLC

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immigration attorneys in Point Pleasant, Mason County

Supple Law Office PLLC

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