Helping You Get Out Of Debt Through Chapter 7 Bankruptcy
If you are struggling to get out of debt, the Law Office of Susan F. Grammer, Attorney at Law can help you file for Chapter 7 bankruptcy debt relief. Chapter 7 bankruptcy allows you to eliminate unsecured debt. Attorney Susan Grammer is licensed to practice in both Illinois and Missouri, and represents clients throughout Madison county and surrounding areas in Chapter 7 bankruptcy.
Understanding the Means Test and Chapter 7 Bankruptcy Benefits
Many people believe you can choose which form of bankruptcy to file. However, you can only file for Chapter 7 protection if you meet certain criteria under the means test. The means test evaluates several factors, including your current rate of pay, your total household income, where you live, the number of people living in your house and other factors. Those who qualify for Chapter 7 bankruptcy protection can:
- Discharge of all or most unsecured debt (credit card debt, medical bills, and personal loans)
- Put an end to creditor harassment by phone or letters
- Prevent or delay foreclosure, repossession, lien filings and wage garnishment
Our Illinois bankruptcy lawyers' knowledge of U.S. Bankruptcy Code and procedures can help you determine if filing for Chapter 7 bankruptcy is in your best interest. We will explain how the means test works and whether you are eligible to file under Chapter 7 or whether Chapter 13 bankruptcy might better suit your needs.
We stay current with changing statutes to ensure you obtain the debt relief you need and have more than 29 years of experience helping people achieve debt relief with personal bankruptcy.
Debts that Chapter 7 Does Not Eliminate
Unfortunately, Chapter 7 bankruptcy does not eliminate all debts. Typically, you cannot discharge:
- Debts or creditors not listed on your original bankruptcy filing
- Student loans
- Recent taxes
- Child support
- Alimony payments
Contact Madison County Bankruptcy Attorneys With 29 Years of Experience
If you have had a significant drop in income or face overwhelming medical bills or credit card debt that you cannot repay, Chapter 7 might be a good option for you. To discuss your debts and whether Chapter 7 bankruptcy protection is right for you, call us today at 618-216-6679 or contact us online.
We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.
