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For more than 25 years, Bond Law Office has been helping clients make tough decisions and use Chapter 7 bankruptcy as a tool for a better financial future. For example, you can keep your: While the area of exemptions can seem tricky, due to very specific requirements, rules, and terms, they also save you property and money during the process. The automatic stay that stops all lawsuits, foreclosures, garnishments, and other collection activity from the moment a bankruptcy petition is filed. Types of Bankruptcy. Property sold in a Chapter 7 bankruptcy is limited to non-exempt assets.
An attorney can help you understand the different types of bankruptcy and choose the option that is best for your situation. Contact Hatfield Harris, PLLC, for help. There are actually a great number of benefits connected to it, especially when filing under the guidance of a Chapter 7 bankruptcy attorney. A knowledgeable attorney is also going to provide you with advice and input throughout the process. If you suffered a job loss or lost wages, have insurmountable medical bills, are facing foreclosure, or have experienced the loss of household income that often accompanies divorce or death, The Brad Hendricks Law firm can help. This type of bankruptcy forgives most unsecured debts, that is, debts without collateral, like medical bills, credit card debt and personal loans. For some individuals and families find that a Chapter 13 bankruptcy is a better choice. What can bankruptcy do for me? If anybody is looking for a top notch attorney, call Jennifer Lancaster!!!!! ARKANSAS BANKRUPTCY ATTORNEY. You do not have to spend sleepless nights worrying about whether you will lose your home or car or be sued by a credit card company. Our Attorneys Have Over 100 Years of Combined Experience.
Many bankruptcy costs such as the filing fee and the credit counseling courses are relatively similar. In a Chapter 13 bankruptcy plan, most people keep all of their assets while catching up past-due balances over a three to five year period. It can be hard to make the right decisions and understand all of your options when you are going through such a major life change. Call us today to schedule a free consultation regarding your options for debt relief with Chapter 7 bankruptcy. It allows people who are filing to eliminate their debts and start over with a clean slate without having to make payments to a trustee for 3 to 5 years. The price of a personal bankruptcy attorney in Arkansas is around $1, 047. In Chapter 11, an individual or business may be able to negotiate new agreements and payment schedules with creditors.
We Take All Cases, Big and Small. While Chapter 7 attorney fees have variability, many Chapter 13 fees are relatively similar based on no-look fees, a reasonable cost for the service provided. Make your financial future a priority with a qualified professional to point you in the right direction. A question we get a lot is whether Social Security disability overpayment is dischargeable in bankruptcy. When a case is filed, the petition, schedules and other related documents become a matter of public record. Bankruptcy can be used not only as a shield to protect oneself from their creditors and collectors, but also as a sword to combat creditors and collectors who are engaging in unlawful and unjust practices. Experienced bankruptcy lawyers will understand and not charge extravagant fees for bankruptcy assistance. To speak to an attorney by phone, Schedule a FREE Phone Consultation now!
He also did a fantastic job at coaching me through some of the possible situations I would face in the courtroom leaving me feeling confident. Whatever your legal situation, we will use our know-how to help you obtain the best possible outcome. Access Legal Care, PLLC offers cheap and affordable legal services, while providing high-quality, effective, and caring legal care. Great experience overall! If you've suffered a loss of income, separation, illness or other event that has disrupted your life, creditor harassment can add to your stress level and make it difficult to regain control. If necessary, we may be able to file your case the same day as your consultation.
Filing for bankruptcy may be easier than you think. We are available to take your call 24 hours a day, 7 days a week. The bankruptcy laws allow you to the following bankruptcy relief under the bankruptcy code: - Credit Card Debt. Don't suffer another day. A means test is a calculation of your income, debts, and assets.
Exempt assets are retained by the person who files for bankruptcy. Chapter 13 allows you to repay some or all your debts over time, rather than liquidating them. You will also need to have some disposable income available to make payments under the repayment plan. For additional information, please visit the U. S. bankruptcy court's website.
It is actually pretty rare for a creditor to attend the meeting and ask questions. In Arkansas, some of the most significant exemptions are: In the state of Arkansas, debtors are allowed to use either the federal exemptions or Arkansas state exemptions, but not both. Upon completion of the payment plan, most debts are discharged. We can help you decide whether bankruptcy is right for you, or recommend another alternative, such as debt negotiation, loan modification, or another option. The discharge order means your debts are wiped away and you officially worry free! Business owner restructure. Do you need a lawyer to file for bankruptcy? The trustee will follow the plan and pay creditors as directed by your Chapter 13 plan, which is submitted on your behalf. Our firm can make your creditors leave you alone. If you are considering filing for bankruptcy, contact our Little Rock, AR office today to schedule a consultation with one of our experienced attorneys. A bankruptcy judge can reject your proposal if they think you could find another way to eliminate your debt that didn't depend on bankruptcy. Court filing fees are also required for both types of bankruptcy and can cost between $335 and $1, 310. S. L.. Click on the links below for answers to commonly asked questions about bankruptcy in Arkansas.
Our general office hours in Fort Smith are 8 a. m. to 5 p. Flexible evening and weekend consultations may be available by special arrangement. Our attorneys can address a wide range of legal issues, and we always act with discretion and dedication. But Chapter 13 may be a more attractive alternative for those who may have missed house payments and want to safely make up those missed payments over time, instead of losing their home in foreclosure.