A Fresh Start through Chapter 7 Bankruptcy
An Experienced North Carolina Bankruptcy Lawyer
There are several causes of consumer debt - medical bills from injury or illness, divorce, the loss of your job, reduced hours or pay, and mounting credit card debt. If one of these causes or another issue has caused you to fall into a level of debt in which you cannot free yourself, filing for Chapter 7 bankruptcy can help you to obtain the fresh start you desperately need.
At the Dotson-Smith Law Office, located in Asheville, North Carolina, we take the time to understand your financial situation and develop a lasting solution. You will receive individualized attention every step of the way to help you get back on your feet. Contact us online or call toll free at 1-866-626-3645 to discuss our debt relief services.
Understanding Chapter 7 Bankruptcy Liquidation
Filing for Chapter 7 bankruptcy allows you to discharge most unsecured debt, stop creditor harassment, end wage garnishments, halt debt collection lawsuits, and eliminate legal judgments.
We will assist you in taking advantage of state and federal exemptions that may also allow you to save your home, car and other personal belongings, depending on your circumstances.
Determining Whether Chapter 7 Bankruptcy is Right for You
We will inform you about all our your debt relief options and help you develop a plan that best suits your needs. For instance, filing Chapter 7 bankruptcy leads to the elimination of almost all of your unsecured debt, but you must qualify under the means test. Chapter 13 bankruptcy is otherwise known as the "wage earner" plan, and may be a good option for individuals that do not qualify for Chapter 7 but are still struggling under overwhelming debt.
We have over 15 years of experience serving the needs of clients in the Asheville area. Contact us online or by telephone to discuss your case with a knowledgeable bankruptcy attorney.
