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Get A Fresh Financial Start Through Chapter 7 Bankruptcy

Chapter 7 bankruptcy is sometimes described as “debt discharge,” because many people who file for Chapter 7 are able to eliminate most consumer debts upon completion of the bankruptcy case. Three types of debts to keep in mind as you consider filing for bankruptcy are the following:

  • Non-dischargeable debts that you cannot discharge in bankruptcy such as student loans, drunk driving accident fines, alimony, child support, debts ordered through a divorce decree, debts incurred through fraud or misrepresentation, recent credit card usage and certain taxes
  • Secured debts owed to creditors who can take back the collateral if you do not make your payments to them – such as motor vehicle loans and real property mortgages
  • General unsecured dischargeable debt, including most credit card debt, medical bills, installment loans and other debts that you will no longer owe upon the discharge of your case

Mark W. Lischwe, P.C., guides debtors who are overwhelmed by unmanageable financial obligations. Taking a required means test should indicate whether you qualify to file for Chapter 7 bankruptcy. We will help you through that process and all steps of a Chapter 7 bankruptcy, which will likely be completed within a few months.

Choose Your Lawyer Carefully And Understand Potential Benefits Of Chapter 7 Bankruptcy

Filing for bankruptcy without an attorney can be daunting and confusing. In fact, it is not recommended. If complications arise during the proceedings, you will need a lawyer to ensure that you comply with the law to your best advantage. You should hire counsel with extensive experience in bankruptcy law. Our attorney, Mark W. Lischwe, brings nearly 40 years of experience to the table.

As you consider whether to file for Chapter 7 bankruptcy, consider the following advantages of this path to debt relief:

  • The process will likely take just a few months.
  • You may be able to get most or all of your consumer debts discharged.
  • There is no limit to the number of debts or the total amount of debt that you can have discharged.
  • All future income will be yours; you will not be required to set up a repayment plan.
  • If you choose to reaffirm any debts after your bankruptcy is complete, you will be free to do so without interference from the bankruptcy court.
  • Depending on what assets you own, you may be able to keep most or all your personal property.
  • You can stop spinning your wheels making payments on debts that you can’t repay completely.
  • You can get a fresh start at rebuilding your credit soon.

Experience Our Welcome And Learn About Debt Relief

When you inquire with Mark W. Lischwe, P.C., we will never pressure you to make a decision right away to file bankruptcy or hire our firm. We will also welcome your follow-up questions and a request for another appointment to discuss things further.

To learn more and to schedule a free consultation with Mark W. Lischwe, contact us online or call 480-491-1000. Evening and Saturday appointments are available upon request.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.