A Fresh Start
With Halverson Law

Is Bankruptcy Right For You?

Are you unable to keep up with your debts and bills?  Are debt collectors annoying you – or worse?  If so, bankruptcy may provide relief and peace of mind. Bankruptcy can stop creditor harassment, collection actions, and even garnishment. Often people who file bankruptcy do not lose any property. In most cases, debt not backed up by collateral is discharged. This means you have no further legal obligation to pay those debts. For debts that are secured by collateral (like a vehicle or house, for instance), you generally get to choose whether to continue making payments or to give up the asset. There are certain types of debts that cannot be discharged – we can sort that out for you.  These often include taxes, student loans, child support and spousal maintenance.

My husband and I have accumulated a lot of credit card debt and medical debt over the past five years. We simply can’t pay it off. We earn more than $100,000 per year. Can we still qualify for a bankruptcy?
I am planning to file bankruptcy but I am worried about whether my employer will find out. Will my employer be notified if I file bankruptcy?
I heard you can only have one car if you file bankruptcy. I am thinking of filing bankruptcy but have two cars. Should I sell one or transfer one to a friend?
What is the difference between Chapter 7 and Chapter 13 Bankruptcy?
Do I lose everything I own if I file for bankruptcy?
What happens to my house if I file for bankruptcy?
Which cities qualify to work with Halverson Law?
Where can I learn more about bankruptcy in general?