Trusted Guidance From An Experienced Bankruptcy Lawyer
The decision to pursue bankruptcy can feel stressful and overwhelming. However, if you’re struggling with debt, bankruptcy can be a big relief. When you file for bankruptcy, you immediately get the benefit of the automatic stay under the law, which prohibits your creditors from calling, writing or taking legal action against you to collect a debt. The key is to work with an experienced attorney you can trust to guide you through the process.
Attorney Michael D. Carper in Kearney has decades of experience providing bankruptcy guidance for people and businesses throughout central Nebraska. Since 1987, he has built his practice around providing diligent legal services for those struggling with issues such as debt. You can count on him to put your interests first through all stages of the bankruptcy proceedings.
Types Of Bankruptcy
Mr. Carper assists clients with the following types of bankruptcy petitions:
- Chapter 7 bankruptcy: He will help you take the necessary steps to determine if you are eligible to permanently wipe out debts in a Chapter 7 liquidation proceeding.
- Chapter 13 bankruptcy: He will work with you to put together a plan of reorganization to submit to your creditors, and he will review all proposed repayment plans to ensure they are in your best interests.
- Chapter 11 bankruptcy: He assists businesses with debt reorganization, working directly with your creditors to help you set up restructured payment agreements that are within your means.
Mr. Carper handles all matters related to bankruptcy filings. In addition to preparing and filing all of the necessary paperwork, he will act as your advocate with creditors, the bankruptcy trustee and the court.
Do You Qualify For Chapter 7?
Chapter 7 bankruptcy is generally the simplest and fastest type of consumer bankruptcy. However, your income and assets must be below a certain limit to qualify.
When you hire attorney Carper to handle a personal bankruptcy filing, he will walk you through the means test required under the law so that he can determine whether you qualify to permanently discharge debts under Chapter 7 bankruptcy. He will also explain what debts can be eliminated in a Chapter 7 bankruptcy filing, as well as what assets you can keep so that you get the outcome you expected from bankruptcy.
Saving Your Home Through Chapter 13
If you don’t qualify for Chapter 7 – for example, if you own a home – you can still pursue Chapter 13 bankruptcy. This type of bankruptcy will put a halt to foreclosure proceedings and give you the opportunity to catch up on payments. It can allow you to save your home, modify your mortgage with more favorable terms and take other steps to get back on solid financial footing.
Dispelling Bankruptcy Myths
Bankruptcy is not a failure. It won’t ruin your credit forever, and it’s nothing to be ashamed about. On the contrary, bankruptcy is a powerful protection offered by law to help people in your shoes get a fresh financial start. There is no shame in seeking the legal help you need and deserve.
Contact The Law Offices of Michael D. Carper Today
To arrange a confidential meeting with an experienced bankruptcy attorney, contact Mr. Carper online or call him at 308-224-2823 for an appointment. His offices are open Monday through Friday, between 9 a.m. and 5 p.m. He offers evening and weekend consultations upon request.
The firm is a debt relief agency that helps people file for bankruptcy relief under the Bankruptcy Code.