Contact a Manhattan, New York Attorney to Discuss Chapter 7 Bankruptcy
Whether you are a homeowner facing
foreclosure, a renter unable to keep up with
rent payments, or simply a consumer unable to meet credit card payments
or pay medical bills, you may qualify for Chapter 7 bankruptcy.
Call or e-mail Dwyer & Associates,
LLC Manhattan, New York, to schedule a free initial consultation. Discuss your need
for debt relief in general with a lawyer who can advise you on the most appropriate
financial and legal solutions for your circumstances ― such as Chapter 7 bankruptcy
if you qualify.
Are creditors calling you nonstop?
Are you using one credit card to pay off another, only
to find yourself deeper in hot water every step of the way? Chapter 7 bankruptcy
may be the answer that you are looking for.
Which Type of Bankruptcy is Right for You?
Chapter 7 bankruptcy is also known as "liquidation bankruptcy"
or "debt discharge" bankruptcy. After a successful Chapter 7 bankruptcy,
your slate of debts is wiped clean and you can begin afresh to rebuild credit and
move forward financially.
Chapter 13 bankruptcy, on the other hand, is sometimes called "debt
reorganization" bankruptcy. It involved repayment of debt over 3 to 5 years,
often with reduced or eliminated interest rates, and sometimes with reduced dollar
amounts owed.
Qualifying for Chapter 7 Bankruptcy
You may have heard that you will need to pass a means test to qualify for Chapter
7. You can do this online on your own time or with your lawyer there to guide and
assist you. An attorney with knowledge, skills and patience is a valuable asset
to you as you prepare to file Chapter 7 bankruptcy if you are eligible.
Instant Relief
You can expect instant relief once you file bankruptcy. Creditors will not be allowed
to contact you. If all goes as planned, your debts will be discharged within a few
months' time. People also want to know what property they can keep in a Chapter
7 bankruptcy. The answer to that question depends on individual circumstances, but
usually includes the following:
- The family home
- Primary automobiles
- Wedding bands
- Household goods
Contact Dwyer & Associates, LLC
to schedule a free initial consultation regarding Chapter 7 or Chapter 13 bankruptcy in our Manhattan
office location.
What Chapter 7 Bankruptcy Cannot Discharge
If you need help sorting and organizing bills, we can help. We are also equipped
to advise you on facts you need to know about bankruptcy such as the following types
of debt that cannot be discharged:
- Student loans
- Child support
- Back taxes, in general (Ask an attorney about IRS workouts and other options with
regard to taxes owed.)
- Punitive damages resulting from lawsuits
- Debt procured through fraud
Find the answers you need when credit card debt, ballooning mortgage payments, extraordinary
medical expenses and other financial challenges threaten to overwhelm you. Call or e-mail Dwyer & Associates, LLC, to
schedule a free and confidential consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the
Bankruptcy Code.
