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An Indiana Bankruptcy Attorney May be Able to Help You Get You a Fresh Start

If you're being hounded by creditors, if the phone calls won't stop, an Indiana bankruptcy attorney may be able to help you get a fresh start.  Changes to the bankruptcy laws have made filing for bankruptcy much more complex.  You need to know whether and how you can file for Chapter 7 bankruptcy.  Filing for Chapter 13 bankruptcy may be required by law or may just be more appropriate for your situation.  Wherever you stand, an Indiana bankruptcy attorney can help you understand the bankruptcy process before you miss critical opportunities.

 

If you're afraid of losing your car or your home to repossession or if you're afraid to answer the phone for fear that it's yet another creditor on the line, don't wait.  An Indiana bankruptcy attorney may have the answers you need.

Chapter 7 Bankruptcy and Chapter 13 Bankruptcy Provide Very Different Protections

Personal bankruptcy comes in two basic forms: Chapter 7 bankruptcy and Chapter 13 bankruptcy.  Chapter 7 is what most people think of as “bankruptcy.”  In a Chapter 7 filing, most unsecured debt – credit card debt, medical bills, old utility bills, unsecured loans, and personal debts can be erased.  The bankruptcy trustee, however, has the option to of selling off your non-exempt assets to cover your debts.  Exempt assets include a limited value for the basic necessities of life: clothing, furniture, appliances, etc.  In Chapter 7, you may have to reaffirm secured debts like home and car loans or surrender the property.

 

A Chapter 13 bankruptcy, on the other hand, is a plan to repay some of your debts so that you can keep your home or your vehicles.  A Chapter 13 plan weighs your income against your living expenses and debts and allows you to make regular payments in order keep possession of some assets.  If you have regular income, but have been thrown off by uncovered medical bills or unexpected expenses, a Chapter13 bankruptcy may be the right option for you.

Talk to an Indiana Bankruptcy Attorney Before You Make any Decisions

You can talk to an Indiana bankruptcy attorney without obligation.  Don't wait until you're out of options.  At Total Bankruptcy we understand that you need accurate information about the bankruptcy process and its consequences before you can make good decisions about your financial future.  That's why Indiana bankruptcy attorneys who sponsor Total Bankruptcy provide free, no obligation consultations.  Take this opportunity to educate yourself about your rights and options before your creditors push you into making decisions that may not be right for you and your family.

 

Just fill in our online case evaluation form or call us toll free at 1 (877) 349-1309 to schedule a free consultation with an experienced Indiana bankruptcy attorney today.

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