Gary Chapter 7 Bankruptcy Attorneys

Are you feeling overwhelmed by debt and unsure of your next step? We understand that facing financial difficulties can be confusing and stressful. At Whitten & Whitten, Gary’s leading Chapter 7 bankruptcy attorneys, we have spent over 20 years helping our community members take control of their financial futures with effective bankruptcy solutions. We’re here to provide the guidance and support you need to explore your options and decide if filing for Chapter 7 bankruptcy is right for you.  

Why Choose Whitten & Whitten?

We aren’t just bankruptcy attorneys—we’re advocates for giving people the reset they deserve. At Whitten & Whitten, we recognize that financial troubles often stem from circumstances beyond your control. Our objective is not just to provide legal support but also to restore hope by paving your way to a fresh start. Whether you’re navigating life after unexpected expenses, job loss, or other financial hardships, we’re committed to helping you get back on track without the burden of more debt.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy, often referred to as “liquidation bankruptcy,” is a legal solution designed for individuals struggling to pay off debts. It allows eligible individuals to eliminate unsecured debts—like credit cards, medical bills, and personal loans—and move toward financial stability. With Chapter 7, you may be able to free yourself from collections and start anew, typically within 3–4 months of filing.  

Filing for Chapter 7 can also immediately stop collection calls, wage garnishments, and other creditor actions, giving you the reprieve you need to focus on rebuilding your life.

How Our Gary Chapter 7 Bankruptcy Attorneys Can Help

When you choose Whitten & Whitten, you gain a partner dedicated to ensuring you understand and succeed at every step of the Chapter 7 bankruptcy process.

1. Personalized Financial Consultation

We start by sitting down with you to assess your financial situation. We’ll review your debts, assets, income, and goals to see if Chapter 7 bankruptcy is your best option. If it’s not the right fit, we’ll guide you toward alternatives that better suit your circumstances.

2. Assistance with the Chapter 7 Means Test

 Navigating the Chapter 7 means test can be complicated—it measures your income against Indiana’s median household income to determine your eligibility. Our attorneys will help you accurately calculate your income, account for all allowable expenses, and utilize every possible deduction to optimize your chances of passing the test.  

If your initial income is too high to qualify automatically, we’ll explore further avenues, like determining your disposable income, to ensure a thorough evaluation.

3. A Stress-Free Bankruptcy Filing Process

Once you’re qualified, our team will handle the complex filing process from start to finish. We’ll prepare thorough documentation, represent you during your 341 creditors’ meeting, and ensure your case progresses smoothly and without unnecessary delays. Most importantly, we’ll keep everything straightforward for you, ensuring that this challenging time in your life feels manageable and stress-free.

4. Path to Debt Discharge

 If your Chapter 7 bankruptcy is approved, you’ll receive a discharge of your debts within just a few months. This discharge means you’ll no longer be responsible for repaying those debts, giving you the clean slate you need to plan a brighter financial future.

Start Your Fresh Financial Future with Whitten & Whitten

Life is unpredictable, and financial struggles can happen to anyone. At Whitten & Whitten, we believe that declaring bankruptcy is not giving up—it’s taking a proactive step toward a better future. Our experienced Gary Chapter 7 bankruptcy attorneys are ready to partner with you, offering experience, compassion, and a clear path to recovery.

Contact Whitten & Whitten today to schedule your free consultation. Whether you’re ready to eliminate your debt through Chapter 7 bankruptcy or just beginning to explore your options, we’re here to help.