Coeur d’Alene Bankruptcy and Family Law Attorney
Serving Coeur d’Alene & Kootenai County
The Advocacy Law Center, PLLC is dedicated to helping clients achieve debt relief and obtain a fresh financial start. Our caring family law and bankruptcy attorney, J. Kelso Lindsay, guides clients through the entire bankruptcy process, carefully explaining the steps they will need to take in order to have a future free of financial burdens.
Chapter 7 Bankruptcy Basics
Under Chapter 7 of the United States Bankruptcy Code, debtors can eliminate a majority of their unsecured debt. While it does not rid debtors of all financial obligations (e.g., child support payments and tax liability), it does reduce the financial pressure of high credit card debt, medical bills and other steep monthly payments. Please note, while you may have to liquidate certain assets under Chapter 7 bankruptcy, you will more than likely be able to keep your home, your car and your valued household possessions.
Filing for Chapter 7 bankruptcy stops all creditor actions against you, including harassing phone calls and letters, wage garnishment, repossession or other legal actions. It can also buy you enough time to discuss your financial future with an experienced lawyer and temporarily halt foreclosure.
Do You Qualify for Chapter 7 Bankruptcy?
The federal bankruptcy laws changed in 2005, making it more difficult for people to qualify for Chapter 7 bankruptcy. However, if you have a high amount of unsecured debt and little dependable income, you will more than likely be able to file.
You will be required to take a bankruptcy means test to determine if Chapter 7 is right for you. If you have a steady, reliable income and are able to afford some payments, then Chapter 13 bankruptcy may be a better option. We will discuss all of your debt relief options and help you make informed decisions for your financial future.
Enlist the Services of an Experienced Bankruptcy Attorney
At the Advocacy Law Center, PLLC, you will benefit from the advice and counsel of an experienced attorney who is committed to being there for clients at each stage of the bankruptcy process. Contact our office, in Coeur d’Alene, Idaho, to schedule a free phone consultation and to learn more about how one of our family law and bankruptcy attorneys can help you obtain a fresh financial start.
When You Need an Attorney, Trust Experience
For more bankruptcy information, please see:
- Bankruptcy and the family
- Rumors about bankruptcy
- Bankruptcy and taxes
- Lawsuits and bankruptcy
- Bankruptcy and the family home
Se habla español.
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.