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You don’t need to let crippling debt ruin your financial future. With the help of the Gastonia bankruptcy lawyers from Farmer & Morris Law, PLLC, you can get your life back on track. We can explore the benefits and protections that bankruptcy offers in your case and explain what the filing process entails.
When you choose to work with our bankruptcy team, you can rest assured that your case will get the attention it deserves. We can handle your case from start to finish while you focus on other important aspects of your life.
Our Gastonia Bankruptcy Attorneys Can Determine What You Should File For
There are different options for filing bankruptcy, and our legal team can help you determine which one is best for you. Usually, two of the more common types of bankruptcy—Chapter 7 or Chapter 13—may apply.
Chapter 7
Depending on your income, you may be able to get qualifying debts completely forgiven under Chapter 7. Generally, you must earn less than the median monthly income of similar households in your state.
This option can also benefit sole proprietors and small business owners who have limited income and plan to go out of business. It may require you to liquidate certain assets, but most people filing Chapter 7 bankruptcy are able to keep all assets intact, such as your home and vehicle. .
Chapter 13
Unlike Chapter 7, Chapter 13 allows you to consolidate your debts so that you can make some repayment while retaining all of your assets. Additionally, some of your debts may be discharged or forgiven under this option. Chapter 13 cases are longer than Chapter 7, as they require the repayment plan to be three to five years long. The upside is that when you file for Chapter 13, debt collectors can no longer contact you and attempt to collect the debt.
Other Forms of Bankruptcy
Other examples of options for filing bankruptcy include Chapter 11 and Chapter 12, but these only apply in certain circumstances. Chapter 11 is usually suited for businesses seeking to restructure the debts and continue operation. Chapter 12 is specifically for family farmers and fishermen who can no longer manage their debts.
Bankruptcy’s Automatic Stay Can Help
Another benefit of filing for bankruptcy involves the automatic stay, which prohibits creditors from contacting you going forward. You can imagine the relief this can provide in your daily life. You won’t have to worry about your phone constantly ringing and opening stressful emails.
Sometimes, creditors can fight against an automatic stay. We will have your back if they do. We can also help if a creditor continues to contact you even with an automatic stay. For example, we can file a lawsuit against them. Our team will do everything possible to ensure you reap the benefits of your decision to file for bankruptcy.
How Our Gastonia Bankruptcy Team Can Help
Filing for bankruptcy of any kind is a huge undertaking. There are dozens of forms to fill out, meetings to attend, and details to review. One mistake could cost you time and money. You don’t have to take on this task alone, though. While you focus on your family and career, our legal team can take care of the filing process.
We can:
- Review your financial situation to determine the right filing option for you
- Compile and organize your financial documents
- Prepare you for the different phases of the bankruptcy process
- Represent you in hearings
- Explain your rights and responsibilities when filing
- Support you when you feel confused or overwhelmed
We will be by your side every step of the way so that you understand the process and feel empowered to work on your financial future.
Our Previous Bankruptcy Clients Share Their Experience Working With Us
We know you have many options when seeking legal representation. Our client-focused approach is what makes Farmer & Morris Law, PLLC stand out. You don’t have to take our word for it. Take a look at what some of our clients had to say about working with our firm:
- “I put myself into indigence through a series of poor decisions in 2008 and 2009. The choice to hire Josh Farmer may have been the best decision I made in 2013.” – David
- “Even in the years following the bankruptcy, Caleb and Sandie went way above and beyond to help us with every aspect of the process. You will not find better people.” – John
You can read more of our clients’ reviews on our testimonials page.
We Can Review Your Bankruptcy Case for Free
Right now, you are probably feeling overwhelmed with questions and concerns about moving forward with your bankruptcy. It’s understandable to want some clarity before you commit. This is why Farmer & Morris Law, PLLC offers free consultations. We want to shed light on your options and explain how we can help in more detail.
Our help doesn’t stop there. When you choose us to represent you, we will make ourselves available to answer your questions throughout the entire process. You will never have to feel left in the dark about your case.
Let Our Gastonia Bankruptcy Lawyers Help
You don’t have to suffer under the weight of crippling finances and mounting debt. You may be a candidate for bankruptcy, and it may offer you a way forward. Our legal team is here to help.
Call us for a free consultation. We can get to work on your case immediately to help you get back on your feet.Our bankruptcy team offers a free case evaluation. We will listen to you, help you understand the process, and guide you on your next steps. Contact our bankruptcy team if you are ready to begin your path to a fresh financial start.
