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Have you been sued by a creditor? Are your wages being garnished? Are you being harassed by creditors?

Allow Daren Robertson and his staff to take stock of your financial difficulties, help you understand your rights and responsibilities under the bankruptcy laws, and recommend a course of action.

We can help you sort through the numbers, formulas, tests and exemptions to help you get back on track.

The United States Bankruptcy Code provides ways to protect your property and allow you to get out of financial difficulty. The Law Office of Daren S. Robertson is dedicated to providing debt counseling and bankruptcy filing services to individuals in a courteous and efficient manner.

Although the Bankruptcy code substantially changed in 2005, Bankruptcy continues to allow individuals to get rid of unsecured debts and keep bill collectors under control.

What is Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is designed to provide a fresh start to individuals whose income is insufficient to pay their debts. In a Chapter 7 case, the debtor is permitted to exempt certain property which prevents the debtor from losing their assets.

The US Bankruptcy Code allows the debtor to keep some, or in most instances, all of their personal property. Often, a debtor will continue to make payments on a car loan or a mortgage on their home. This is done by signing a reaffirmation agreement, keeping the same terms and payments on these particular debts.

Why file Chapter 7 Bankruptcy

There are numerous reasons why one may file a Chapter 7 bankruptcy. The most common reasons are loss of income (job), divorce, medical bills and credit card debts.

If you have high credit card debt, medical bills, any other unsecured debt, and are tired of harassment from creditors, Chapter 7 bankruptcy may be the answer.

The filing of a Chapter 7 Bankruptcy petition automatically stays or stops certain collection actions. An automatic stay is a court order that prohibits your creditors from taking any action against you or contacting you outside of bankruptcy court. This action is designed to:

  • Stop calls from collectors
  • Prohibit creditor lawsuits against you
  • Stop wage garnishments
  • Prevent foreclosure of your home

Bankruptcy Can Help You Eliminate Debt

If a debt is unsecured, with no collateral backing it up, it can usually be discharged in a Chapter 7 bankruptcy. Some of these include:

  • Credit card bills
  • Medical bills
  • Most personal loans
  • Deficiencies on repossessed vehicles
  • Garnishments
  • Payday loans

Filing for and going through bankruptcy can be a draining process. We understand the apprehension that is often associated with the bankruptcy, that is why we are dedicated to making the entire process as discreet and painless as possible.

To learn more about your debt relief options and whether you would benefit from a Chapter 7 bankruptcy, please give us a call and/or schedule a free consultation.


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