Bankruptcy is often treated as a bad word. While it may not be the first choice, bankruptcy doesn’t mean the end of your financial life. Bankruptcy can often relieve major stresses, and allow you to get your feet underneath you again. While certain debts would take years to resolve, many people actually see their credit rebound faster with a bankruptcy than it would if they tried to go it alone.

If you are facing the constant harassment of creditors, garnishments, or actual legal action, you have no peace, and the impact is being felt in your home life, your career, and in your other relationships. You are probably losing sleep, are avoiding answering calls, and every knock at the door causes stress that you may be getting more bad news. At Schmeltzer Law, we can help you regain your sense of peace, and help you get your life back on track.

Chapter 7 bankruptcy is designed to be a relatively quick process, giving you a chance to eliminate many of your debts and begin to rebuild. You are allowed to protect many of your key assets, allowing you a true “fresh start”. Assets beyond the limits of protection may be liquidated in the process, and the proceeds used to pay off some of your debts. The remaining debts are discharged, and you can never be asked to pay any portion of them in the future. Your slate has been wiped clean, and you begin the process of rebuilding your credit, without the heavy burden of debt that was holding you back.

In Chapter 7 bankruptcy, you may be able to keep your house, your car, and many of your other items. The system is designed to allow you to keep the things you need to keep your life moving forward, and to retain your dignity as you rebuild. If you qualify for Chapter 7 bankruptcy, it might be the quickest and best way back onto the path toward your hopes and goals. We can help, starting with a free 20-minute consultation. Call today to meet with our licensed attorneys.

Chapter 7 bankruptcy can help with:
– Medical bills
– Credit cards
– Unsecured debts
– Payday loans
– Some judgments or garnishments
– Loan resolution deficiencies