Working To Eliminate Debt With Chapter 7 Bankruptcy
Debt can get out of control due to many factors: job loss, medical emergencies and divorce are just a few. To take back control of your life and get a fresh start, Chapter 7 bankruptcy could be a good option. Contacting a lawyer could be the best move you can make.
At Robinson Salyers, PLLC, we help clients in financial distress by looking at their overall situation and advising them on which debt elimination options would benefit them most. Our practice focuses on effective and efficient bankruptcy counseling. From offices in Frankfort and Shelbyville, our attorneys serve clients throughout central Kentucky.
Bankruptcy Is There for You
Our state and federal bankruptcy laws are there for your protection. For most individuals, Chapter 7 bankruptcy is a tool to help them shed unwieldy debts and start over. Chapter 7 is the “fresh start chapter” because it provides for the discharge, or elimination, of many types of debt.
The bankruptcy laws changed in 2005, however, making the requirements for Chapter 7 bankruptcy stricter due to the new means test. Now, many people fear they will not qualify for Chapter 7.
You Could Qualify For Chapter 7 — Do Not Give Up Until You Consult With Us
There is a way out. If you would like to explore your options under Chapter 7 but fear you will not qualify, contact Robinson Salyers, PLLC. Our founder, John Christopher Robinson, is highly skilled at getting clients into Chapter 7, even when it seems impossible. In emergency cases, he has turned around cases in just 48 hours for clients facing wage garnishment.
Many clients do their own online research and conclude prematurely that they do not qualify for Chapter 7. If you are in this situation, do not give up yet. Consult with our lawyers for a thorough, detailed analysis of your options. Chapter 7 can save up to five years of your life, and our attorneys will help you do it.
In a recent case, John Robinson got a client who earned $140,000 per year into Chapter 7 bankruptcy. Through his experience and extensive knowledge, he was able to use expense allowances and other exceptions to make it work. Less experienced attorneys would not know how to do this.
You Are In Control
People who are underwater financially often feel helpless. You can take back control and give yourself the opportunity for a fresh start. Among the many benefits to filing for bankruptcy are:
- The automatic stay stops all creditor actions, including phone calls, letters, garnishment, foreclosure, repossession and lawsuits.
- Credit card debt is eliminated.
- Medical debt is eliminated.
- IRS tax debt can be eliminated (if more than three years old and filed at least two years ago).
- Life after bankruptcy means credit improvement in as little as two years.
Complimentary Telephone Consultation With Our Attorneys
To learn how Chapter 7 debt elimination can help you, turn to Robinson Salyers, PLLC. To schedule a free initial telephone consultation, call one of our Kentucky offices: Shelbyville at 502-220-4439 or Frankfort at 502-257-5417. You can also contact us online.