Filing Chapter 7 Bankruptcy — Fresh Start Now
If you are suffering under debt and need help, the Hampel Law Center can offer you legal guidance on debt relief options. Jeffrey L. Hampel helps clients navigate through a Chapter 7 or Chapter 13 bankruptcy legal proceeding, rebuild credit and get a fresh financial start.
Call (616) 534-7522 or (866) 509-5333 (toll free), or contact us online to learn more about your debt relief options today.
Filing for Chapter 7 or Chapter 13 bankruptcy immediately stops all creditor actions against you until your bankruptcy petition is resolved, including:
- Letters from credit card companies and others you owe
- Harassing phone calls
- Garnishment of wages or bank accounts by creditors
- Foreclosure actions
If you qualify by income for a Chapter 7 bankruptcy, most unsecured debts -- such as credit card debt or hospital bills -- will be discharged or dismissed. A qualified bankruptcy lawyer can view your entire financial situation to tell you what type and amount of debt will be discharged. For instance, child support or back taxes will not be discharged.
Filing for Chapter 7 Bankruptcy
You will need to provide a comprehensive picture of your financial situation. At our initial free consultation, Mr. Hampel will spend the time that you need to review your situation and answer your questions. He will tell you whether he believes that filing for bankruptcy is a good solution for you.
Our law firm will assist you in developing a comprehensive picture of your financial circumstances, including all secured and unsecured debts and assets, recent tax returns, pay stubs and bank statements.
Can I keep my house?
As long as you are current in your mortgage payments, you will be able to keep your house in most situations. If you are behind in your mortgage payments, it is worth it to catch up with your payments before you file for a Chapter 7 bankruptcy.
Will I ever be able to get credit again?
Yes. Some people have their credit restored in as little as 12 months. Most others' credit is restored within three to five years of filing bankruptcy, so long as they do not relapse into debt.
Jeffrey L. Hampel, our law firm's founder, is ready to help you surmount your financial difficulties. Our goal is to help each client improve his or her life through our legal counsel and advocacy. Call us at (616) 534-7522 or (866) 509-5333, or contact us online.
