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Fresh Start

Fresh Start

Bankruptcy laws accomplish this by allowing the debtor to keep certain assets and personal property which are exempt from the bankruptcy process. These exemptions are created at the federal level, but states have created their own exemptions. Bankruptcy laws for each state determine if the debtor can use the state or federal exemption list.

Additionally, the Bankruptcy Code also allows the discharge of most debts (credit card bills, medical bills). This type of debt is called dischargeable debt. Other types of debt can not be discharged and these debts are called non-dischargeable. With the advent of exemptions, the ability to discharge debts by filing Chapter 7 Bankruptcy or create a more favorable debt repayment schedule with Chapter 13 Bankruptcy filing personal bankruptcy may be a valid method for consumers to get a "fresh start".

More Help on Fresh Start

  • Dischargeable Debts - Dischargeable debts are all the debts which can be discharged by filing Bankruptcy (credit card balances, medical bills and personal loans). - read more

  • Exemptions - Bankruptcy exemptions are a list of all the assets, personal items and goods that can not be liquidated in Chapter 7 Bankruptcy or sold in Chapter 13 Bankruptcy to repay creditors. - read more

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Chapter 7 and Chapter 13 Bankruptcy Help

The two most common consumer bankruptcies are Chapter 7 and Chapter 13, our sponsoring lawyers handle these types exclusively so you can be sure you are getting accurate legal advice when you file bankruptcy. Our Bankruptcy attorneys will fight to protect your rights and your property, fight the aggressive and annoying creditors for you, and they can help you keep your home, vehicles and other property.

A lawyer will be committed to getting you debt relief and providing you with valuable information, services and advice to get you a better financial future. There are many convenient locations to make filing bankruptcy or learning about the alternatives we offer, even easier.

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