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We are a debt relief agency. We help people file for Bankruptcy relief under the Bankruptcy Code.
Business bankruptcies are normally more complicated and Ms. Palmer has a reduced fee for her initial consultation. We have an interview questionnaire which we request you to fill out and bring to your consultation. This helps the attorney assess your circumstances and recognize what unique problems might apply to your situation.
If the reason that you're seeing an attorney is to see whether a bankruptcy is appropriate for you, you will need to have information concerning your debts, including names, addresses and balances. You will also need to bring information concerning your monthly income and budget. You will also need to tell the attorney what assets you own and what their value is. Once the attorney has this information, she can assist you in determining if a bankruptcy would be appropriate for you and if appropriate, what kind, either a chapter 7 or a chapter 13 is best suited to your needs.
Under the bankruptcy code, there are two forms of bankruptcy which most people use, Chapter 7 and Chapter 13. A Chapter 7 is a straight liquidation and for many debtors means that they are not required to pay any monies to their unsecured creditors. In a Chapter 7 it is possible to keep your home and your vehicle if you are current in your monthly payments at the time of your bankruptcy filing and your equity is not above the limit. However, every case is unique and Ms Palmer cannot advise you as to your specific needs until she has had an opportunity to review your financial situation with you.
A Chapter 13 is a wage earner reorganization. In a Chapter 13, you will be required to make a monthly payment to the Trustee who will then pay your creditors. Generally speaking, in a Chapter 13, if you are behind in house or car payments, you will be allowed to "cure" the arrearages and keep your assets. In a chapter 13, the plan payments can be no less than 36 months and no greater than sixty months duration.
Whether you should be in a Chapter 7 or a Chapter 13 or seek bankruptcy relief at all needs to be determined by Ms. Palmer at the initial consultation. In order to properly address all of the issues and analyze your financial situation, we have a questionnaire which we can either fax or e-mail to you for you to fill out and bring with you to that initial consultation.
In either event, whether you file a Chapter 7 or Chapter 13, an order called a discharge must be issued by the court. A discharge is an order that relieves you of paying certain debts. In a Chapter 7 the discharge normally occurs within six months of filing and in a Chapter 13, it occurs after all payments have been paid pursuant to the Chapter 13 plan.
If your creditors are pressuring you, you are unable to pay your debts or your wages are being garnished, call our office at 480-269-8926, toll free at 888-366-9614 and Ms. Palmer will help you determine if bankruptcy is an option for you.