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At the Romanello Law Firm, you can expect to receive trusted legal advice so that you can determine if bankruptcy is the right option for you. We can give you the information and insight that you need so that you have a complete understanding of how bankruptcy works and what to expect. We provide chapter 7 legal assistance to people who are considering filing bankruptcy. Deciding whether bankruptcy is the right choice for you is not always simple, so we are here to support you during this challenging time.  If you are facing a legal action because of your increasing debts, read on to find out more about how chapter 7 can help you get back on track.

Get A Fresh Start with Chapter 7 Bankruptcy Services

Chapter 7 bankruptcy is often called the fresh start option because it allows you to wipe out most or all of your unsecured debt. Unsecured debt can include medical bills, credit card bills and utility bills. Compared to other types of bankruptcy, the process can be done relatively quickly. It offers individuals immediate relief from creditors. 

There are several protections that are triggered when you file for bankruptcy. The minute a Chapter 7 is filed, an “automatic stay” goes into effect. This means that when you file for bankruptcy, creditors are prohibited from continuing with their collection efforts – no creditor can call you, write to you, or proceed with a new lawsuit against you. If a lawsuit is already pending against you, it is stopped upon your bankruptcy filing. The filing of a bankruptcy petition will immediately stop collection calls and actions against you, and will terminate wage garnishments. If you are going through any of these scenarios, Chapter 7 may be the best option for you. We will discuss your particular situation and go over the eligibility requirements with you.  

Is Chapter 7 Bankruptcy Right For You?

Bankruptcy is just one of several solutions to seek debt relief. It may be tough to determine if it is the most appropriate answer to your particular debt problem, especially if you have multiple types of debt or are facing unique circumstances. Our attorneys will help you along every step of the process in helping you decide if chapter 7 is your best choice for preparing your filing because there are eligibility requirements for Chapter 7 bankruptcy, we can also discuss your other options should you not qualify based on the means test. There are many benefits of filing for Chapter 7 bankruptcy. Chapter 7 bankruptcy may allow you to:

• Eliminate your credit card bills
• Eliminate your medical bills, judgments, car loan and real estate deficiencies
• Discharge tax debt
• Prevent home foreclosure
• Stop lawsuits

Take Back Control of Your Financial Future

Contrary to what many people believe, bankruptcy is not a reflection of your moral or personal failure. An accident or change in employment are common factors that can result in someone filing for bankruptcy. Though bankruptcy is a reasonable solution, some people avoid it because of the stigma. Don’t rule out bankruptcy because it may be the best form of debt relief for you.  

It can be daunting to even think about how you will pay off your debt. The good news is that you do not have to tackle your problem alone. Making the first call to set up a consultation can be intimidating, but once you do, you will not regret it. Meeting with an experienced and effective bankruptcy lawyer can make you feel less stressed about your financial struggle because we will guide you through every part of the process. With our diverse experience and skills, we can develop a plan to get you the urgent relief you need. It is possible for you to restore your financial situation.

Get In Touch With Us

Allow us to assist you so that you can discover the solution that will get you back on track towards a financial fresh start.