Chapter 7 & Chapter 13

Bankruptcy Law Services: Chapter 7 and Chapter 13

Find Financial Relief and a Fresh Start with Neiman Law Office

If you’re facing overwhelming debt and considering bankruptcy, know that you’re not alone. At Neiman Law Office, we understand the challenges that financial difficulties bring and are here to help you explore solutions that fit your unique circumstances. Whether you’re considering Chapter 7 or Chapter 13 bankruptcy, our goal is to guide you toward financial relief and a fresh start.

Understanding Chapter 7 Bankruptcy

Chapter 7 bankruptcy, also known as “liquidation” bankruptcy, is designed for individuals struggling with significant unsecured debt, such as credit cards, medical bills, and personal loans. This type of bankruptcy allows eligible debtors to discharge qualifying debts, often within a few months, providing a clean slate.

How Chapter 7 Can Help You:

Complete Debt Discharge: Most unsecured debts can be eliminated, giving you a chance to start over without the weight of unpaid bills.
Quick Process: Chapter 7 cases typically conclude within a few months, allowing you to move on faster.
Protection Against Creditors: Once you file, an automatic stay goes into effect, preventing creditors from calling, suing, or taking other collection actions against you.

Is Chapter 7 Right for You? If you have limited income, little to no non-exempt assets, and are struggling to meet basic living expenses, Chapter 7 could be the right option. During your consultation, we’ll review your financial situation and help you determine your eligibility.

Understanding Chapter 13 Bankruptcy

Chapter 13 bankruptcy, often called “reorganization” bankruptcy, is ideal for those who have a steady income but need relief from debt pressures. Under Chapter 13, you create a manageable repayment plan that lasts three to five years, allowing you to keep valuable assets like your home or car while catching up on missed payments.

How Chapter 13 Can Help You:

Keep Your Property: Chapter 13 allows you to keep your home, car, and other assets while making affordable payments.
Debt Consolidation: Simplify your finances with a single monthly payment plan tailored to your income and expenses.
Catch Up on Secured Debts: For those who are behind on mortgage or car payments, Chapter 13 offers a way to catch up without foreclosure or repossession.

Is Chapter 13 Right for You? If you have a regular income and need time to pay off debts without sacrificing your assets, Chapter 13 could be a solution. During your initial consultation, we’ll discuss your financial goals and whether Chapter 13 bankruptcy aligns with your needs.

Why Choose Neiman Law Office for Your Bankruptcy Case?

At Neiman Law Office, we provide compassionate and experienced representation throughout the bankruptcy process. We believe in offering honest, straightforward advice to help you make the best decision for your financial future.

Experienced Guidance: With years of experience in bankruptcy law, we have successfully helped clients eliminate debt and rebuild their financial lives.
Personalized Service: We understand that every client’s situation is unique. We’ll take the time to understand your specific financial challenges and goals.
Dedicated Support: From the initial consultation to the final discharge, we are here for you every step of the way, handling paperwork, communicating with creditors, and ensuring that your case proceeds smoothly.