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Chapter 7 Bankruptcy
Chapter 10 Bankruptcy
Chapter 11 Bankruptcy
Chapter 13 Bankruptcy
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What is bankruptcy?
The bankruptcy laws were passed by
Congress to give borrowers a means
to obtain relief from their creditors.
Filing bankruptcy immediately stops
all creditors from taking further action
to collect from you.
What can bankruptcy do for me?
-
Eliminate or "discharge" your legal obligation to pay a debt. The bankruptcy court issues a discharge order which wipes out the creditor's right to enforce its claims against you. The purpose of this law is to provide you debt relief and a "fresh start" with your finances.
-
Stop a pending foreclosure on your house or mobile home and allow you the opportunity to retain your home and catch up on missed payments. Bankruptcy does not eliminate mortgages, however, and payment will still be required to retain the property.
-
Prevent repossession of a car or other property, or force a creditor to return a vehicle that has already been repossessed.
-
Immediatley Stop wage garnishment, creditor harassment, and lawsuits.
-
Prevent termination of utility service, or restore service where it has been shut off.
-
Allow you to challenge creditor's
claims which you dispute.
Will bankruptcy wipe out all my
debts?
Bankruptcy wipes out most debts.
Exceptions to this general rule are
debts for child support or alimony,
most taxes, most student loans,
criminal restitution and traffic fines.
And, of course, debts secured by
property which you want to keep,
such as home mortgages and car
loans.
attorney - client relationship. We are a law firm that specializes in the legal requirements of the bankruptcy process. We attain bankruptcy relief for our clients under the Bankruptcy Code.
Wichita Debt Relief
Mark J. Lazzo, Attorney at Law
3500 N. Rock Road
Building 300, Suite B
Wichita, KS 67226
