Get back to the life you want to live.A life free from debt.
Chapter 7 & Chapter 13 BankruptcyTogether we'll find the right option for you.
It’s with you constantly. The feeling that you can never get out from under the mountain of credit cards, medical bills, and other debt. You go to bed worried about where the next mortgage or car payment is going to come from. You wake up the next day dreading the constant calls or fear that another lawsuit is coming. You’re tired of seeing your family go without while you struggle to keep the creditors at bay.
Enough is enough.
Bankruptcy offers the opportunity to be free. To be free of the constant worry, stress, and sleepless nights. To finally put a stop to the constant calls, collection letters, and lawsuits. It can even help stop foreclosures and allow you to catch up on your mortgage, car payments, student loans, and tax debt.
Help starts here.And we'll be there every step of the way.
During these rough economic times, it is hard to keep your head above water. Sometimes you have to make some tough decisions. I decided to file for bankruptcy. I had gone to another lawyer and was treated like a case number instead of a struggling family man. Matt made this experience easy and dignified. It was a pleasure working with someone who had my back.
I came to Matt with a huge weight on my shoulders after having some medical issues and some bad choices regarding credit cards. He made a process in which I was very nervous to do seem very easy. Every step of the way he explained things, was easy to get a hold of, and I would recommend him to anyone in need of help financially!
During a very difficult decision and the difficult process of having to humble yourself and ask for help. Matthew was a pleasure to deal with and was very professional. He was very caring and understanding, and did not make you feel judged at all. I would highly recommend him to anyone who is about to make this kind of decision and allow him to work his magic.
How can bankruptcy help?Bankruptcy offers real relief.
Relief from creditor harassment.
Bankruptcy stops collection efforts. No more letters, phone calls, and lawsuits. We also file notice in pending lawsuits, which are then put on hold until your case is completed.
Relief from garnishments
Creditors cannot garnish your wages while in bankruptcy. Upon filing, we send notice sent to the court and to your HR/payroll department (if you choose) to ensure that the wage garnishment stops.
Relief from judgment liens
In Indiana, judgments automatically become liens on your home. Bankruptcy may help remove judgment liens from your home so that you can later sell it free-and-clear.
Relief from foreclosure
Chapter 13 bankruptcy may be used to help stop a foreclosure or sheriff’s sale. Chapter 13 bankruptcy allows you to catch up any past-due payments over 36 to 60 months.
Relief from repossessions
Chapter 13 bankruptcy can be used to regain possession of a repossessed car. You are then allowed to catch up the past-due payments. If the car was sold, a chapter 7 bankruptcy will eliminate any deficiency balance.
Relief from credit card and medical debt
Medical debt is treated the same as credit cards and other unsecured debt. It can be eliminated in bankruptcy.
Relief from suspension of driving privileges
Driving priviledges can be suspended because of an unpaid judgment. Bankruptcy can help get your license back by eliminating the judgment.
Relief from excessive student loan and tax payments
Chapter 13 bankruptcy allows student loan and tax payments to be spread out over 36 to 60 months while keeping collection efforts at bay.
Ready to take the next step?Request your FREE consultation!
What is chapter 7 & 13 Bankruptcy?
Chapter 7 bankruptcy
By and far the most common form, chapter 7 bankruptcies comprise about 70% of filings each year and generally take only four months to complete. While chapter 7 bankruptcies are often referred to as a “straight liquidation bankruptcy,” most filers retain all of their property through exemptions. In turn, unsecured debt (credit cards, medical bills, and past-due utility bills) is wiped out. Civil judgments often can often be eliminated too. But in order to take advantage of a chapter 7, filers must first pass the “means test.” By reviewing your annual gross income and household size, we can quickly determine whether you qualify for a chapter 7 bankruptcy. If you don’t, fear not! A chapter 13 bankruptcy may be filed instead.