If you cannot pay your bills on time, you need information. We help people file for bankruptcy relief under the Bankruptcy Code.
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Bankruptcy Law
The United States Bankruptcy Code offers different options for those wishing to file for bankruptcy. Here are the different options we handle:

Chapter 7: Liquidation
The most common form of bankruptcy, liquidation involves the appointment of a trustee who collects the non-exempt property of the debtor, sells it, and distributes the proceeds to the creditors. Laws dictating property exemption differ from state to state, but each state allows debtors to keep essential property.

 

Chapter 13: Regorganization

Chapter 13 is a Reorganization for an Individual with Regular Income. Chapter 13 allows formation of a plan whereby a payment plan is made to a court Trustee for all debts. Some debts can be modified and the plan term can extend to 5 years. Past due mortgage and car payments can be paid through the Chapter 13 Plan.

For more information regarding bankruptcy options, call Barbara L. White today 704-375-9411!