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Consumer Bankruptcy

There are essentially two Consumer Bankruptcy Chapters available for debtors: Chapter 7 and Chapter 13. Chapter 7 allows for the complete discharge of dischargeable debt and Chapter 13 provides for partial payment of debt through a Court approved plan. Chapter 13 is employed when a debtor’s income exceeds a certain level or when the debtor has a particular asset, such as a car or a home that the debtor has equity in and wishes to keep.

Murphy & Weaver, Esqs. will carefully evaluate your financial status and advise accordingly as to whether a Chapter 7 or Chapter 13 discharge is attainable. There are a variety of exemptions in Bankruptcy that allow debtors to retain their property while receiving a full discharge of their debts.

Counsel will prepare your petition so as to maximize the exemptions to which you are entitled. Sometimes it is just not possible to get out from under your debts without help. Escalating interest and penalties literally make it impossible to ever catch up. There is no stigma in seeking protection from your creditors and getting a fresh start. Murphy & Weaver, Esqs. provides affordable assistance in getting its clients back on their feet.

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