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Chapter 7 Liquidation and Chapter 13 Wage Earner Reorganization Individual and Business

Bankruptcy is a legal proceeding in which a debtor declares his or her inability to pay consumer or business debts as they become due. A debtor may seek a discharge from continuing personal liability for unsecured debts or may attempt to reorganize by seeking an extended period of time in which to pay all or part of his or her debts.

A Chapter 7 Bankruptcy or Chapter 13 Reorganization can stop foreclosures and repossessions, wage garnishments and demanding collection calls.

An experienced bankruptcy attorney can best represent your interests and enable you to achieve a fresh start.

Our experienced attorneys can process your bankruptcy. The following list contains a sampling of assets you can keep free from claims of creditors in the bankruptcy:

Homestead residence	$100,000.00
Household furniture, furnishings and appliances	4,000.00
Wearing apparel	500.00
Musical instruments	250.00
Animals	500.00
Engagement and wedding rings	1,000.00
1 rifle, shotgun or pistol	500.00
1 watch	100.00
1 motor vehicle	4,000.00
Interest of debtor in retirement or deferred compensation plan	100%
Cash surrender value of debtor's life insurance plans	25,000.00
1 bank account	150.00
Necessary tools, equipment used in profession	2,500.00

This list is only a sample. These exemptions may be lost not properly claimed in a bankruptcy filing. There are significantly more assets that you may retain in bankruptcy with the help of a skilled attorney. We strive to provide the best and most efficient services possible to our clients. If you are unable or it is not convenient to meet with an attorney at our offices, we are available to assist you by phone and process all documents by mail.

Payment plans are available. If you are interested in a free initial consultation with an experienced bankruptcy attorney, please call (623) 932-0430.