Chapter 7 Bankruptcy

The loss of a job, a death in the family, a divorce — these are all circumstances that can affect your finances, causing your debt to grow significantly. At Idaho Bankruptcy Law, we understand how daunting your overwhelming debt can be, and we want to help you find a way to overcome it.

Are you considering filing Chapter 7 bankruptcy? Our Burley Chapter 7 bankruptcy attorney can help you determine if you are eligible to file bankruptcy, and ensure that you are taking the right steps to do so. Contact our firm today to learn more.

Skillfully Guiding You Through The Chapter 7 Bankruptcy Process

Since 2009, founding lawyer Paul N. J. Ross has successfully assisted men and women with finding debt relief solutions that fit their circumstances. From our office in Burley, we help clients throughout Southern Idaho understand their relief options under the U.S. Bankruptcy Code.

Chapter 7 bankruptcy — sometimes known as liquidation bankruptcy or discharge of debt — is a type of bankruptcy that an eligible individual can file and eliminate his or her dischargeable debt allowing the individual a “fresh start.” Dischargeable debt typically includes credit card bills, medical expenses, mortgage loans, etc.

As soon as you file for Chapter 7 bankruptcy, an “automatic stay” goes into effect that will:

  • Stop creditor phone calls and other harassment
  • Stop home foreclosure
  • Stop repossessions
  • Stop garnishments
  • Stop liens
  • Stop creditor lawsuits

 

While some people choose to relinquish their property to their creditors in order to rid themselves of their debt through Chapter 7 bankruptcy, it is very common for individuals to keep their home, car and other property through bankruptcy exemptions and creditor agreements.

Most people qualify for Chapter 7 bankruptcy, unless they make more than a median income. We will help you understand if you are eligible for Chapter 7 bankruptcy — according to the Idaho means test — or if Chapter 13 bankruptcy is a better option for you.

Idaho Bankruptcy Law is ready to help you understand how Chapter 7 bankruptcy can benefit you. When you consult with our firm during your free consultation, you will speak to attorney Paul N. J. Ross. He will help you learn if Chapter 7 bankruptcy is the best debt relief option for you, as well as how bankruptcy will impact your current financial standing.

We are committed to providing thorough and honest feedback about your circumstances, and we will use our extensive bankruptcy knowledge to guide you through the process with confidence and ease.

Learn more about Chapter 7 bankruptcy and get answers to your bankruptcy questions.

Call Our Idaho Bankruptcy Attorney Today

We invite you to contact Idaho Bankruptcy Law at 208-219-7997 to schedule a free initial phone consultation regarding your Chapter 7 bankruptcy needs. Our law office hours are Monday through Friday, from 8 a.m. to 5 p.m. and evening and weekend appointments by special request. We are able to make home calls or appointments closer to your location. Spanish services available.