A Wichita bankruptcy attorney may help you discharge your debts
A Wichita bankruptcy attorney may petition the court to issue an Automatic Stay order that could stop the harassing phone calls and past due notices and protect your home and other assets. A qualified Wichita bankruptcy attorney of Total Bankruptcy may also liquidate unsecured debts or file for a repayment plan to repay your secured debts.
A qualified Wichita bankruptcy attorney may help you file for debt protection by negotiating a reaffirmation agreement with your creditors where you agree to continue making payments in exchange for your right to keep your property. The United States Bankruptcy Code also has provisions that may reduce the outstanding balance on these loans.
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Whether your Wichita bankruptcy attorney files under Chapter 7 or Chapter 13, you could still be liable for child support, taxes and student loans. In the case of significant non-dischargeable debts, a Chapter 13 filing may be your best option. If most of your debts are unsecured and you may have no way to ever repay them, then a Chapter 7 may be the better option.
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Bankruptcy law may dramatically limit the right of many borrowers to file for protection from their creditors. A strict financial means test is required. This may prohibit many debtors from filing to discharge their debts. Another requirement is that all debtors must receive a briefing from an approved credit counseling agency at least six months before they can file their case.
Debtors with above-average incomes may be forced into Chapter 13 plans instead of Chapter 7 -- which may force them to repay more of their debts. Debtors with incomes above their state's median and with the means to pay some debts may not be allowed to file under Chapter 7. And, the court also may impose sanctions on lawyers and debtors for filing a Chapter 7 case that is dismissed or converted to a Chapter 13 case.
If you are suffering under a mountain of debt and expenses that you just can't keep up with, but you do have a job or some other source of regular income that you can use to make payments under a repayment plan, a Chapter 13 debt consolidation filing may be right for you. A Chapter 7 filing may be more appropriate if you have lots of unsecured debts and do not have any secured debts such as equity on your home or car.
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The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.