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Chapter 7 Bankruptcy in Appleton

Get Experienced Legal Help from an Appleton Bankruptcy Lawyer

If you are experiencing difficulties keeping up with your bills and you don’t have enough income to get out of debt, filing Chapter 7 bankruptcy may be an option. Also called liquidation bankruptcy or straight bankruptcy, Chapter 7 eliminates some or all of a person’s debts.

If you want to know if Chapter 7 bankruptcy is right for you, I am more than happy to review your financial situation and figure out your available legal options to help you get a fresh start in life. With more than two decades of experience, I have helped thousands of clients regain control of their finances and make sure they stay that way.

Do You Qualify for Chapter 7 Bankruptcy?

To determine your eligibility for Chapter 7 bankruptcy, you must pass the means test. You must determine your average gross income during the six months prior to filing. If it is at or below Wisconsin’s median income, you can file under Chapter 7.

However, if you are above the state’s median income, the second part of the test entails figuring out if you have enough disposable income—after paying your allowed monthly expenses (i.e. rent, food, clothes, and health costs)—to pay off a portion of your unsecured debts. If your disposable income exceeds the maximum amount, you fail cannot file Chapter 7 bankruptcy. Fortunately, it is still possible to seek debt relief from Chapter 7 bankruptcy.

Once you file for Chapter 7 bankruptcy, an automatic stay goes into effect, temporarily stopping creditors from attempting to collect your owed payments. This means they cannot garnish your wages, gain access to your bank account, repossess your vehicle or home, or cut off your utilities.

The process takes four to six months to complete, which involves filing paperwork, attending a meeting with a court-appointed bankruptcy trustee and creditors, and having most of your debts discharged (except child support, student loans, and tax debt).

Ready to Help You Start Over Today

Chapter 7 bankruptcy has many advantages that may help you get out of debt once and for all. I can file all of the necessary paperwork, meet all the deadlines, protect your rights, and ensure you are on the right path toward financial freedom.

If you are interested in filing Chapter 7 bankruptcy in Appleton, request your free consultation today. You can reach us at (920) 352-1622.

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