See If You Qualify For Bankruptcy
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How Does it Work? First, fill out the free evaluation form above – it should take no more than 30 seconds and it’s 100% FREE and SECURE. After that, our office will call you to see if you’re eligible to file for bankruptcy. If you are, then you’ll speak with one of our attorneys to discuss your options.
Bankruptcy can eliminate…
- Credit Card Debt
- Hospital Bills
- Foreclosure threats
- Wage garnishments
- Calls from collectors
- Outstanding Bills
- Collection Efforts
- Various Tax Debt
Bankruptcy can help you keep…
- Home/Residence/Property
- Assets like your car
- Your hard-earned wages
- Fixed Assets like Furniture
- Your Work Equipment
- Retirement-related Accounts
- Social Security Benefits
- Disability Benefits
Need Immediate Help? Call Our 24/7 Helpline
866-409-3451
The bankruptcy process, overseen by special federal bankruptcy courts, shields individuals who can’t meet their financial obligations from losing everything to creditors and provides a framework that may allow them to pay back some of what they owe. Filing for bankruptcy can bring relief from overwhelming debt, but it also has a serious, negative impact on your credit and remains on your credit report for seven or 10 years, depending on the type of bankruptcy.
Priority debts are considered so important under federal bankruptcy law that they must be addressed before all competing claims. These include:
- Child support
- Alimony
- Criminal fines
- Unpaid federal income tax obligations less than three years old
- Student Loans
Non-priority debts include the vast majority of unsecured debts, these include:
- Past-due credit card bills and outstanding credit card balances
- Unpaid personal loan payments
- Private debts to friends and family members
- Overdue bills, including those for rent, utilities and cellphones
Not all financial obligations can be eliminated from filing for bankruptcy. Alimony, child support, back taxes, and certain student loans cannot magically disappear. At the conclusion of either kind of bankruptcy procedure, assuming that you have kept and met all requirements, most of your debt will be gone and you will no longer have to worry about it. You will no longer be responsible for them, and your creditors are forbidden from trying to collect them.
Filing for bankruptcy can have major affects on your credit scores and can last on your credit report for up to ten years, seven years for chapter 13. You will usually see a significant drop in credit score. The number of points by which your score drops depends entirely on your current financial credit standing. Individuals often file for bankruptcy after missing multiple loan payments, and sometimes after defaulting on loans or incurring property foreclosures—all events that can significantly lower credit scores. The cumulative effect of those events may cause a large enough reduction in credit score that a bankruptcy filing itself might not decrease scores very much.