BANKRUPTCY: CHAPTER 7 & 13
LANDOLT &
ASSOCIATES
ASSOCIATES
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| What You Need to Know About Bankruptcy |
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The current economy has impacted everyone, and millions of people are
struggling with financial problems they never anticipated. Bankruptcy is a
way for individuals and business who are overwhelmed by debt to discharge
their debts or reorganize their debts and start fresh. Bankruptcy is governed
by the federal law found in Title 11 of the United States Code.
Bankruptcy is designed to help people like you who are struggling with the
following:
struggling with financial problems they never anticipated. Bankruptcy is a
way for individuals and business who are overwhelmed by debt to discharge
their debts or reorganize their debts and start fresh. Bankruptcy is governed
by the federal law found in Title 11 of the United States Code.
Bankruptcy is designed to help people like you who are struggling with the
following:
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| Landolt & Associates 2209 Martin Drive, Suite 100 Bedford, Texas 76021 817-291-3999 Email Us Now We are a debt relief agency and we help people file for relief under the bankruptcy code. |
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There are two types of consumer bankruptcy that can help you get back on your
feet: Chapter 7 Bankruptcy and Chapter 13 Bankruptcy.
Chapter 7 Bankruptcy
If you qualify for Chapter 7 Bankruptcy, you will be able to wipe out (liquidate) all
of your unsecured debt such as credit cards, medical bills, pay day loans,
personal loans, and more. Eligibility for Chapter 7 is based on a government
formula called the "Means Test" that compares your income and expenses to
the IRS Standards.
Please call us at 817-291-3999 or email us now for more information and for a
free evaluation to see if you qualify for Chapter 7.
Chapter 13 Bankruptcy
Almost everyone can qualify for Chapter 13 Bankruptcy to reorganize your debts
and make them more manageable. Chapter 13 was designed by Congress to
stop foreclosures and repossessions and help you get caught up on your
mortgage and car payments by putting them into a payment plan over the course
of three years or five years. Depending on your income and expenses, you may
be able to eliminate all or part of your unsecured debt, including credit cards,
medical bills, pay day loans, personal loans, and more.
Any remaining debt can also be put into the monthly plans and made more
manageable by allowing you to pay it off as part of the three or five year plan.
You can also put back child support and IRS Tax debt into the payment plan.
Please call us at 817-291-3999 or email us now for more information and for a
free evaluation to see how you qualify for Chapter 13.
Options If You Own Your Own Business
If you own your own business and are struggling with debt, be sure to contact us
about your options under a Chapter 7 Bankruptcy where you can liquidate your
debt (and close the business) or a Chapter 13 or Chapter 11 Bankruptcy that
can reorganize your debt to make it more manageable while you continue to
operate the business. Please note that we do not handle Chapter 11 cases at
this time, but we would be happy to refer you to a Chapter 11 attorney if Chapter
7 is not right for you.
Please call us at 817-291-3999 or email us now for more information and for a
free evaluation.
About Working With Us
Lisa Landolt and Associates understand what you are going through, and we
try to put ourselves in your shoes. Whether over the phone or during your
consultation, our attorneys will review your circumstances with you, answer all
of your questions, and present options that will work for you.
The Fees for Filing Bankruptcy
The Chapter 7 filing fee is $299, and the Chapter 13 filing fee is $274.
There is a requirement to complete a Credit Counseling and a Financial
Management course for Chapter 7 or Chapter 13, and the fees for each of
the two courses can range from $30-$50. Regarding attorney fees, we
understand you are experiencing financial problems or you wouldn't be
considering Bankruptcy. You will find we will work with any budget. It is also
possible to put the majority of the attorney fees into the payment plan when
you file a Chapter 13 Bankruptcy.
Please call 817-291-3999 or email us now to discuss your situation or to
schedule a free consultation.
feet: Chapter 7 Bankruptcy and Chapter 13 Bankruptcy.
Chapter 7 Bankruptcy
If you qualify for Chapter 7 Bankruptcy, you will be able to wipe out (liquidate) all
of your unsecured debt such as credit cards, medical bills, pay day loans,
personal loans, and more. Eligibility for Chapter 7 is based on a government
formula called the "Means Test" that compares your income and expenses to
the IRS Standards.
Please call us at 817-291-3999 or email us now for more information and for a
free evaluation to see if you qualify for Chapter 7.
Chapter 13 Bankruptcy
Almost everyone can qualify for Chapter 13 Bankruptcy to reorganize your debts
and make them more manageable. Chapter 13 was designed by Congress to
stop foreclosures and repossessions and help you get caught up on your
mortgage and car payments by putting them into a payment plan over the course
of three years or five years. Depending on your income and expenses, you may
be able to eliminate all or part of your unsecured debt, including credit cards,
medical bills, pay day loans, personal loans, and more.
Any remaining debt can also be put into the monthly plans and made more
manageable by allowing you to pay it off as part of the three or five year plan.
You can also put back child support and IRS Tax debt into the payment plan.
Please call us at 817-291-3999 or email us now for more information and for a
free evaluation to see how you qualify for Chapter 13.
Options If You Own Your Own Business
If you own your own business and are struggling with debt, be sure to contact us
about your options under a Chapter 7 Bankruptcy where you can liquidate your
debt (and close the business) or a Chapter 13 or Chapter 11 Bankruptcy that
can reorganize your debt to make it more manageable while you continue to
operate the business. Please note that we do not handle Chapter 11 cases at
this time, but we would be happy to refer you to a Chapter 11 attorney if Chapter
7 is not right for you.
Please call us at 817-291-3999 or email us now for more information and for a
free evaluation.
About Working With Us
Lisa Landolt and Associates understand what you are going through, and we
try to put ourselves in your shoes. Whether over the phone or during your
consultation, our attorneys will review your circumstances with you, answer all
of your questions, and present options that will work for you.
The Fees for Filing Bankruptcy
The Chapter 7 filing fee is $299, and the Chapter 13 filing fee is $274.
There is a requirement to complete a Credit Counseling and a Financial
Management course for Chapter 7 or Chapter 13, and the fees for each of
the two courses can range from $30-$50. Regarding attorney fees, we
understand you are experiencing financial problems or you wouldn't be
considering Bankruptcy. You will find we will work with any budget. It is also
possible to put the majority of the attorney fees into the payment plan when
you file a Chapter 13 Bankruptcy.
Please call 817-291-3999 or email us now to discuss your situation or to
schedule a free consultation.
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