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Attorrneys Samuel G. Firebaugh & Roberta W. Andrews specialize in bankruptcy: Chapter 7, Chapter 13, Business Bankruptcy, stopping foreclosures, garnishments, and harassment by creditors. Bankruptcy is often the most effective tool for obtaining relief from oppressive debt. We offer a Free Consultation where the benefits of filing bankruptcy will be reviewed by one of our attorneys on a case-by-case basis with a full review of all your options. Give us a call and ask to speak to either Sam or Roberta. We maintain a small firm that provides you with personal service from your first phone call to completion of your case.

Do I choose Chapter 13?

Chapter 13 allows you to reorganize you debts into one affordable payment plan If you need time to catch up on your mortgage payments, restructure a car loan, pay past due taxes, or consolidate and reduce credit card payments, Chapter 13 may be your best option. Chapter 13 allows you a time frame of 3 to 5 years to pay your creditors only as much as you can afford to pay while preventing creditors from harassing you. Your attorneys will safeguard your interests and make sure Chapter 13 is the right choice In order to qualify for Chapter 13 you must have a regular source of income. Your attorneys will advise and assist you prepare a budget, fill out the required forms and pleadings, and appear at the required court hearings. After all of your payments have been made according to your approved plan, you will be eligible to receive a discharge from your debts and the paymnet plan will be terminated. If you want to know if Chapter 13 Bankruptcy is the right choice for your financial circumstances, you will first need to discuss your financial goals with an attorney. Firebaugh & Andrews will be able to guide you to find the solution that best fits your financial situation.

Do I Choose Chapter 7?

Chapter 7 Bankruptcy is known as straight bankruptcy as well as liquidation (converting assets into money) and it is the most common form of bankruptcy. Certain property is protected or “exempted” from liquidation. Most people who are eligible for Chapter 7 are able to file bankruptcy, keep all of their assets, and discharge all of their debts. Most, if not all debts are discharged within months of your attorney filing a bankruptcy petition. Chapter 7 of the bankruptcy code allows debtors who are in need of discharging debts within a situation of financial emergency to become free and clear of these debts and to become able to begin a fresh new financial start.

How Chapter 7 Works

The way Chapter 7 bankruptcy works is that a trustee is assigned to collect and to sell assets and non-exempt property to distribute the proceeds from these items to pay off creditors. In Chapter 7 the debtor receives a discharge from all dischargeable debts. These debts do not include child support, most taxes and student loans under the filing of chapter 7 Bankruptcy.

Making Sure Chapter 7 Is The Right Choice

To know if you are eligible or to understand if Chapter 7 bankruptcy is right for your situation you must speak with an attorney regarding your debt and financial situation. An attorney, your attorney will be able to review your financial situation and provide you with a solid answer on if Chapter 7 bankruptcy will be the best choice to be made .If in fact Chapter 7 is found to be the right choice for your financial well being a well laid out set of rules and procedures will be provided and your attorney will be able to process your bankruptcy petition.

Free Consultation

If you are concerned about your finances, Contact Us for a free phone consultation. You will speak directly with Sam or Roberta, attorneys who will answer all the questions that you have about filing Bankruptcy and whether it is right for you. Call us today at 734-722-2999