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Facing bankruptcy can be intimidating, but with Ash Law Firm you can expect the highest level of service throughout the filing process – all from the convenience of your own home! Learn how to keep your home and car in addition to owing zero in credit card debt and other unsecured debt.
What to Expect During Your FREE Consultation
Do you qualify?
Determine the best options to get you out of debt.
What chapter to file?
Learn which type of bankruptcy is best for your unique situation.
Stress free payment plans.
Hire someone who offers payment plans and makes filing accessible.
Chapter 7 vs Chapter 13
Chapter 7 bankruptcy offers a fresh start to people who find themselves buried in credit card debt, medical bills and other unsecured debt. In the bankruptcy, most of those debts are discharged, which means that you’re no longer legally obligated to pay them.
It also means that creditors and debt collectors can’t contact you about those debts, report them as late to the credit bureaus or otherwise bother you about them. Some of the most common types of debt discharged when filing chapter 7 bankruptcy include:
credit card debt
past-due rent and utilities
secured debts where you abandon the property
student loans if you meet the criteria
One of the most powerful aspects of consumer bankruptcy is the automatic stay. In most cases, the automatic stay stops creditor calls, debt collection letters, law suits and even wage garnishments as soon as your bankruptcy case is filed.
That means that when you get the right help, the pressure could be off in as little as a few days.
Chapter 13 bankruptcy offers a solution for people who have regular income, but are overburdened with debt.
A Chapter 13 plan allows you to catch up past-due payments during a three to five year repayment plan. At the end of that period, some remaining unsecured debt may be discharged.
Immediate Relief from Financial Stress
In most Chapter 13 bankruptcy cases (as in most Chapter 7 cases), an automatic stay is entered as soon as the case is filed. The automatic stay is a court order that puts an immediate stop to creditor calls, debt collection letters, law suits and even wage garnishments. When you take action to turn your finances around, the pressure could be off in just a few days.
Chapter 13 bankruptcy is designed to give people with high levels of secured debt or valuable property get the breathing room they need to manage their debts and keep their property.
How To File Chapter 13
Just as in a Chapter 7 bankruptcy case, your attorney will prepare petitions and schedules that detail your income, debts and assets for the bankruptcy court. And, the court will appoint a bankruptcy trustee to oversee your case.
OUR HAPPY CLIENTS
Why Ash Law Firm?
"Incredibly satisfied with the service and professionalism. Filing for bankruptcy can often be a very demoralizing process. The lawyers and staff at Ash Law made the process feel safe. I was made clear of all the stipulations and felt confident in my team throughout the whole process. The experience has allowed me to build the leverage I need to rebuild my credit with more confidence."
- Ser Á.
if you qualify for bankruptcy.
In under 15 minutes, find out