Eliminating Debt Through Chapter 7 Bankruptcy
The burden of debt can be overwhelming. It can affect your work life, your family life and even your health. Are you losing sleep over missed payments, late fees, or your general inability to reconcile your debts? The Bankruptcy Code gives you options and the opportunity for a second chance. At the Law Offices of Carla J. Zolman, L.L.C., we can help you get a fresh start through bankruptcy. We represent clients in St. Louis, St. Charles, Jefferson County, and surrounding areas of Missouri.
Our bankruptcy attorneys represent clients from a range of income levels and backgrounds, and we will help create a plan that works for you. Whatever your circumstances may be, we are dedicated to helping you get debt relief. We will take the time to educate you about your options, which may include a Chapter 7 or a Chapter 13 bankruptcy.
Contact us online or call us at 314-549-8985 to schedule a free initial bankruptcy consultation.
What is Chapter 7?
The main difference between a Chapter 7 and a Chapter 13 bankruptcy is that a Chapter 13 bankruptcy involves a repayment plan for your debt, while a Chapter 7 bankruptcy eliminates most debts. Chapter 7 will not, however, discharge debt involving alimony, child support, student loans or criminal fines.
Chapter 7 is also known as liquidation bankruptcy. While it erases the majority of your debts, you may have to relinquish some of your property to the bankruptcy court for liquidation (sale).
We can help you determine if you qualify for Chapter 7 bankruptcy and whether it may be the best option for you.
Through Chapter 7, we may be able to help you discharge debts like:
- Unsecured credit card debt
- Medical bills
- Back rent
- Utility bills
- Personal loans
- Back income taxes (in certain circumstances)
You may be able to keep your home and your car under Chapter 7, depending on several factors including the market value, the amount of equity you have and how much you still owe. If Chapter 7 is not the best option for you or you do not qualify, we can help you file for Chapter 13.
A Strong Ally
Although the possibility of filing for bankruptcy can be intimidating, it can actually remove pressures and worry. We can quickly stop creditor harassment from disrupting your work and family life, and we can end or prevent wage garnishments.
When it seems as if the odds are stacked against you, you can trust that there is an attorney on your side who is looking out for your interests.
Providing individualized attention and thorough representation, our goal is to help you get through the bankruptcy process as quickly and painlessly as possible.
Contact our knowledgeable lawyers to discuss your case in a free initial bankruptcy consultation. Send us an e-mail or call us at 314-549-8985.
*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
