In a world where financial challenges seem insurmountable, finding a pathway to stability and freedom is paramount. It’s here, amidst the uncertainty, that Whitten & Whitten emerges as your beacon of hope. As dedicated St. John bankruptcy lawyers, our commitment lies in guiding you toward liberating yourself from the burdens of debt. Dive into our approach, discover the advantages of choosing us, and take the decisive step toward your fresh start today.
When faced with the decision to file for bankruptcy, individuals often ponder the choice between Chapter 7 and Chapter 13. It is important to note that each option has distinct advantages and consequences.
Chapter 7 bankruptcy is often called “liquidation bankruptcy” because it involves selling non-exempt assets to pay off creditors. This type of bankruptcy is best for individuals with lower income and few assets, as it allows them to discharge most or all of their debt. It typically takes about 4-6 months to complete and provides a clean slate for the filer.
Chapter 13, or “reorganization bankruptcy,” involves creating a repayment plan with creditors to pay off debts over 3-5 years. This option is better for individuals with a steady income and more assets, as it allows them to catch up on missed payments and keep their property. It typically takes longer than Chapter 7 but can provide a more manageable path to debt relief.
Whatever route you decide to take, pursuing bankruptcy marks a pivotal moment in your life, demanding sensitivity, insight, and unparalleled skill. Here’s what sets our St. John bankruptcy lawyers apart:
Our priority is to ensure you’re equipped with detailed knowledge of both Chapter 7 and Chapter 13 bankruptcy. This understanding empowers you with the confidence to choose a path that best compliments your goals and life situation.
Together, we’ll navigate through your financial landscape, devising a repayment plan that honors your capacity while satisfying every legal stipulation. Leveraging our extensive experience, we optimize the benefits of Chapter 7 and Chapter 13 bankruptcy for you.
From your initial consultation to the final closure of your case, our team remains steadfastly by your side. Navigating bankruptcy can seem intimidating, but with Whitten & Whitten, you’re never alone. We’re here to ensure you move through this process clearly and confidently.
At Whitten & Whitten, we measure success by your financial resurgence and peace of mind. Each client’s recovery is our victory, driving our dedicated team to work tirelessly in your best interest. We pride ourselves on providing tailored legal counsel, embodying an unparalleled dedication to restoring your economic stability.Â
The path to debt relief and regaining control over your finances starts here, with the reliable team of St. John bankruptcy lawyers at Whitten & Whitten. Contact us today to thoroughly explore your bankruptcy options and initiate your journey toward a debt-free existence.Â
These guys really took me out of a tough time. Really down to earth and made me feel at easy. Would recommend
I would suggest Whitten & Whitten and the whole office. They helped me and were so helpful and friendly. Thank you for getting me back on track.
If you are ready to speak to an attorney, provide the information
below for a free initial consultation.