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Medical debt, job loss, the loss of a family member, even the recent pandemic can all lead to overwhelming debt. Getting a chance to overcome such debt could be easier than you think when our McDowell County bankruptcy lawyer is on your side. We can help by explaining the benefits of bankruptcy, which debts can be eliminated, and the filing process from start to finish.
You do not have to fight off creditors or struggle with unrelenting debt on your own. Our case review team at Farmer & Morris Law, PLLC, will evaluate your potential case. We will also define and document your debt load, prepare the correct forms and schedules, and represent you at hearings and court appearances. We will also ensure you enjoy relief from harassing and intrusive debt collection attempts.
Bankruptcy Relief Can Help You Start Over
According to the U.S. Courts, you can choose from four bankruptcy options when you file. Each individual or business entity that seeks bankruptcy protection will benefit from a particular chapter. When our team represents you, we will help you understand the merits and requirements of each chapter and guide you in choosing the right one for you.
Who Should Choose Chapter 7 Bankruptcy?
Chapter 7 bankruptcy is the right option for individuals and small business owners who would benefit from complete discharge of their debt. You may have to submit to a means test depending on your level of income, but our team will go through this process with you.
This is the most common choice for filers and usually the simplest chapter as well. In most cases, individuals who choose this option can keep most, if not all, of their assets. Business filers may also eliminate most debts by liquidating their assets and starting anew.
Who Should Choose Chapter 11 Bankruptcy?
Chapter 11 bankruptcy is often the right choice for individuals, corporations, partnerships, and limited liability companies (LLCs). It helps with debt reorganization and lets you plan to repay undischarged debt in a manageable fashion with guidance and support from our team. Chapter 11 bankruptcy is complex, time-consuming, and challenging, but our team works with you at each step to ensure the process runs smoothly and that all schedules and filings are complete and accurate.
Who Should Choose Chapter 12 Bankruptcy?
Chapter 12 bankruptcy is often the right choice for family farmers and fishermen — in fact, it is specifically designed to meet their unique needs. To qualify, you must meet specific income guidelines and agree to pay your existing debt load over time. You are usually allowed between three and five years to do so. Under certain circumstances, you might have up to 11 years. Our team will help you create a debt repayment map.
Who Should Choose Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is often the right choice for individuals and small businesses with a regular stream of income. The court may require you to participate in a credit counseling program. Your reorganization and repayment plan will depend on your disposable income and will prioritize your debts for you. Our team will help you develop a debt repayment plan that takes your ongoing needs into consideration.
We will Guide You Through the Bankruptcy Filing Steps
When we help you fight for your financial future, we start by understanding your accumulated debt and helping you understand the best way to eradicate or reorganize it. Our team will explain how the process works and compile the documents and schedules the court will require. We will also:
- Complete and submit all schedules and forms
- Create a detailed list of your debts and creditors
- Notify your creditors of your changed status
- Represent you in court and at any hearings
When we work with bankruptcy candidates in McDowell County, our Farmer & Morris Law, PLLC, team handles the details for you and makes sure you are aware of each step. The longer you wait to file, the more your debt can grow. Our bankruptcy lawyer will help you start over with a clean slate and invaluable peace of mind.
We Believe Everyone Deserves a Second Chance
When our law firm manages your bankruptcy case, our goal is to help you get out from under crushing debt without judgment or criticism. Previous bankruptcy clients say:
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- “The choice to hire Josh Farmer may have been the best decision I made… He explained things in layman’s terms without condescension…A shout out to Ann D. for her gentle loving persistence with the mountain of paperwork is also in order. Thanks to the entire firm.” – David
- “Simply put, Caleb did everything that I could possibly have expected and more…went way above and beyond to help us with every aspect of the process. You will not find better people.” – John
- We were sinking in debt and Caleb Farmer walked us through the process of Chapter 13 bankruptcy…We will be forever thankful to their talented staff…their valued assistance made it possible to pay off our debts and rebuild our credit. We highly recommend them.” – a Chapter 13 Bankruptcy Client
These bankruptcy clients are enjoying a fresh financial start after unloading unmanageable debt. We can help you get the same relief when you trust our team with your bankruptcy case.
Get Immediate Help from One of Our Team Members
If you need debt relief options in McDowell County, our bankruptcy lawyer can help you explore the financial benefits and advantages of filing for bankruptcy.
You can learn more about how Farmer & Morris Law, PLLC, will fight for your financial freedom by calling one of our team members at (828) 286-3866 today. Get all your questions answered as you consider the new start bankruptcy can bring.
