Filing for Chapter 7 Bankruptcy in Wheeling?
OUR WHEELING BANKRUPTCY LAWYER IS HERE TO HELP
Are you involved in financial circumstances that are difficult to endure? At Thomas E. McIntire & Associates, LC, we can help you assess all of your options and determine whether Chapter 7 bankruptcy is right for you. Our Wheeling Chapter 7 bankruptcy attorney is primarily concerned with protecting your rights, interests, and finances for the long-run.
Why Choose Thomas E. McIntire & Associates, LC?
- Free case evaluations
- Nearly 30 years of experience protecting consumers’ rights
- Personal legal support and one-on-one attention
- Proactive advocacy, including putting a stop to creditor harassment
Speaking with a legal professional could be the first step toward obtaining a fresh start.
Call our Chapter 7 bankruptcy lawyer in Wheeling at 304-232-8600 today.
IS BANKRUPTCY RIGHT FOR ME?
If creditors are targeting your home, your wages, and your bank accounts, you may want to consider Chapter 7 as an option for debt relief. It is the most common chapter of bankruptcy and is suited to individuals who are burdened by overwhelming debt that makes it impossible to bring their accounts up to date.
Generally speaking, Chapter 7 bankruptcy can help eliminate the following debts:
- Credit card debts
- Personal debts
- Some tax debts
- Other secured debts
To prove eligibility for this chapter of bankruptcy, you will need to pass the means test, which evaluates your income and expenses to determine your ability to make regular payments. The test is simply a calculation that compares your household income to the average income in your area.
UNDERSTANDING THE CHAPTER 7 PROCESS
In a Chapter 7 bankruptcy, your nonexempt debts can be discharged. Typically, our Chapter 7 clients do not lose assets in this bankruptcy process. We are able to protect your assets and eliminate credit card debt, personal loans, and medical debt. If you are in West Virginia and need legal guidance for this process, we encourage you to contact our Wheeling bankruptcy attorney at once.
Prior to filing your bankruptcy petition, you will need to complete a credit counseling course online. The informational course can be completed at your convenience in your home or office. It is nothing to be embarrassed by or fear.
When filing for Chapter 7, the process typically looks like the following:
- You (the debtor) file a Chapter 7 petition
- You receive a notice from the court regarding your hearing
- You need to attend a bankruptcy court hearing 30 – 45 days after filing
- Bankruptcy discharge in a Chapter 7 case will occur 2 months after the date of the hearing
At Thomas E. McIntire & Associates, LC, we are prepared to help our clients navigate their cases successfully. If you are interested in learning more about how we can help you navigate your case, we can provide you with a free case evaluation.