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No one wants to find themselves in a dire financial situation. It happens. Medical bills, job loss, injuries, divorce, death, etc. are life occurrences that can leave you devastated and swimming in a pool of debt.

The law offices of JAMES W. GIESE, P.C. can help! We are here to assist you in recapturing your finances and taking control of your life.

As the Supreme Court of the United States has said:

“The development of bankruptcy legislation has been toward relieving the honest debtor from oppressive indebtedness and permitting such a debtor to start afresh.” Wright v. Union Central Life Ins. Co., 304 U.S. 502 (1938).

You can start anew by filing Chapter 7 or 13 Bankruptcy. We understand the difficult decision of filing bankruptcy and we can help you find the plan that works with your needs. The following is a quick summary of Chapters 7 and 13 to get you started:

Chapter 7

A qualifying individual can eliminate all of their dischargeable debt through the filing of a Chapter 7 Bankruptcy. One of the reasons Chapter 7 is so popular is it allows you to eliminate any of your dischargeable debts often within four to six months of filing.

Once you file your Chapter 7 petition, an automatic stay is enforced which stops creditors from any further action to collect or harass you without first petitioning the bankruptcy judge.

Chapter 13

If your income is too high for Chapter 7 or if you have the desire to retain assets such as your house, Chapter 13 allows you to make monthly payments to retain those assets. Your income determines how much you pay and any remaining unsecured debts, after a period of around three to five years, will be discharged.

Other Chapters

Other chapters of Bankruptcy include chapters 11 and 12. Chapter 11 is for reorganization of businesses and Chapter 12 is for “family farmers” and “family fishers.”

Call now to find out your best options.