We checked out three bankruptcy firms in all. They all cost about the same, but DebtStoppers did a lot more for the money. DebtStoppers was an easy choice.
- SL
The credit cards were really hurting us. Eliminating those interest payments made all the difference. Thanks, DebtStoppers! ...
— SL
When they started taking money out of my check, I knew I needed help. My bankruptcy attorney got them to stop the garnishment that same day ...
— Rosemary S.
I got my car back, which is great, but the best part is I got my car payment lowered, too ...
— DJ.
It turned out that the finance company violated our rights. So DebtStoppers sued them in court and collected over $10,000 in damages. Our attorney really
went the distance for us.
Chicago Bankruptcy Attorneys Office Locations
Atlanta Bankruptcy Attorneys Office LocationsNashville Bankruptcy Attorneys Office LocationsChapter 13 Bankruptcy Lawyers in Chicago, Atlanta and Nashville
Are your debts keeping you up at night? Do you worry about losing your home and belongings? Then you need to consider Chapter 13 bankruptcy. Let an experienced DebtStoppers bankruptcy lawyer in Chicago, Atlanta or Nashville explain the Chapter 13 process step–by–step, so you can find out if it could be the right option for you.
Chapter 13 bankruptcy lets individuals repay a portion of their debts in an installment plan over three to five years. Chapter 13 is particularly valuable for families facing foreclosure or falling further and further behind with mortgage payments. The minute you file a 13, all foreclosure and collection proceedings stop. Unsecured, non–mortgage debt – like credit card debt or medical bills is also reduced or eliminated entirely.
To file for Chapter 13 bankruptcy, you need to file a petition with the bankruptcy court. This will automatically prevent most creditors from taking action against your property. You also need to file a repayment plan, either with the petition or within 15 days of filing. It should state the fixed amount that you have agreed to pay and the number of payments per month. The plan must receive court approval. The court will appoint an impartial trustee to evaluate your finances and to distribute the payments to your creditors.
Any individual can qualify for Chapter 13 with unsecured debts of less than $360,475 or secured debts of less than $1,081,400. Even third–party co–signers to the debtor’s agreements may file for Chapter 13. To learn how Chapter 13 works, and to learn all your options, contact our Chapter 13 bankruptcy law firm in Chicago, Atlanta or Nashville today.
Our bankruptcy attorneys are among the best when it comes to bankruptcy law. We will explain how everything works so that you feel confident in taking those first steps toward financial independence. Our Chicago, Atlanta and Nashville Chapter 13 bankruptcy attorneys have already helped thousands of people in your situation take control of their lives. We can probably help you, too. Call DebtStoppers today at 800–440–7235, or fill out our easy online appointment form. Meet with an attorney for free. Find out if a DebtStoppers 13 is the right option for you.
Chapter 7 Bankruptcy Lawyers in Chicago, Atlanta and Nashville
Chapter 7 bankruptcy is the fastest and easiest way for you and your family to completely eliminate crippling debt. It is ideal for those with unsecured or non–mortgage debt, like credit card debt or medical expenses. But the prospect of filing can be intimidating, which is why DebtStoppers offers you a free one-on-one debt analysis with one of our experienced Chicago, Atlanta or Nashville bankruptcy attorneys.
To file for Chapter 7, you submit a petition with the Illinois, Georgia or Tennessee bankruptcy court nearest you. This filing automatically stops your creditors from taking any further action against you — in fact, once your case has been filed, your creditors are legally prohibited from contacting you at all. For most filers — who’ve spent months harassed by unending creditor calls and letters, this proves a tremendous relief.A case trustee will then meet with you and your Chicago, Atlanta or Nashville bankruptcy attorney to ask questions about your financial situation and property. The trustee determines which of your assets are “exempt” and which can be liquidated to pay your unsecured creditors. Although the law allows the trustee to sell non-exempt assets in order to reimburse your creditors, it is our experience that DebtStoppers clients rarely lose any possessions in a Chapter 7 bankruptcy.
Chapter 7 is not for everyone. To qualify, you must pass a means test, which looks at your median income and your disposable income. If you earn more than your state’s median income over a six–month period, or have disposable income over the next five years greater than $10,000, you will not qualify for Chapter 7 bankruptcy. In addition, filing for Chapter 7 comes with risks that you could lose valuable assets (even your house) that you may have thought were exempt. Let a DebtStoppers bankruptcy attorney in Chicago, Atlanta or Nashville guide you through the process so that you can avoid unpleasant surprises.
Our advice has helped thousands of families eliminate debt and hold on to their most valued possessions. We’ll walk you through the process step–by–step. When you contact us, you’ll receive a free consultation with an attorney – a personal one–on–one debt evaluation. Our bankruptcy attorneys will listen to what you have to say and determine which solution will work best for you. If your goal is to be debt–free, but you’re uncertain about the best first step, contact our DebtStoppers Chicago, Atlanta or Nashville bankruptcy law firm.
Let DebtStoppers help you eliminate debt and start fresh. Call us today at 800–440–7235, or fill out our simple appointment form online.
