The Bankruptcy Process
The Benefits of Working with Sapinski Law Office, S.C.
Are you drowning in debt? Are you tired of being harassed by creditors? Do you wish there was a way you could put your financial problems behind you? If so, then filing for bankruptcy may be the right option for you. With the help of a knowledgeable and experienced bankruptcy attorney, you can get advice and guidance about resolving debt problems, including filing for bankruptcy.
Sapinski Law Office, S.C. is one of the top bankruptcy law offices in Milwaukee. Over my 15 years in practice, I have personally helped thousands of people file for bankruptcy and I have received dozens of referrals from my clients that certify my commitment to helping those with financial hardships.
Not only will I help you understand the process of filing for bankruptcy and walk you through every step, but after you file I can help you rebuild your credit with my credit restoration program. My team and I will fully assess your financial situation and determine whether or not filing for bankruptcy is the best decision for you. I will explain the benefits of filing for bankruptcy and, if bankruptcy is not right for you, I will explain why. I will be personally involved in helping you get back on the road to financial health.
Filing for Bankruptcy? Find Out Your Next Steps.
There is a very specific process that has to be followed when filing for bankruptcy. Before you can file, you must take a means test to determine if you actually qualify for bankruptcy protection, and which form, Chapter 7 or Chapter 13 bankruptcy. You will then file your bankruptcy petition and other required documents with the U.S. Bankruptcy Court. Once your petition is filed, an automatic stay is issued by the court that instantly halts all creditor activity against you, including any collection actions. Your creditors will be legally stopped from contacting you in any way while the bankruptcy process unfolds. Once your paperwork is filed, a bankruptcy trustee will arrange a creditor meeting.
Creditors in reality rarely attend the meeting and that part of the process is out of the way quickly. You are required to attend this meeting, and I will be at the meeting with you and will help you with all aspects of the meeting. Before your bankruptcy case is complete, you will be required to attend a financial management course. Under Chapter 7, your debts will be discharged after about 4 months. Under Chapter 13, your debts will be discharged after you complete your Chapter 13 debt repayment plan. Your plan will usually run 3-5 years. Once you receive your discharge, you are will be free from most of your debts. Remember, certain debts may be non-dischargeable and will not go away if you file Chapter 13 or 7.
I will walk you through every step of the process and ensure that you gain the best relief possible under the bankruptcy code. Call me today for a free case evaluation.